Citizens Community Bank

What Citizens Community Bank does

Citizens Community Bank (CCB) is a privately held, FDIC-insured community bank founded in 1995 by a group of local investors in Winchester, Tennessee. The bank operates three physical branch locations across Franklin County, Tennessee — a full-service main office in Winchester, a branch in Huntland, and a drive-through-only location in Decherd — and claims the highest deposit market share in the county. CCB serves individual consumers, small businesses, and home buyers/owners in southern Tennessee through a horizontal, retail-banking model. Its customer base spans all life stages, from first-time savers to retirees, and includes local small businesses needing working capital and farm/agricultural borrowers.

The product portfolio is a comprehensive suite of traditional community-banking offerings: multiple checking tiers (Regular, Citizens Club Checking Deluxe 55, Money Market), savings and CDs, IRAs and Christmas club accounts, plus a full lending menu spanning mortgages (FHA, VA, USDA, conventional, construction, farm), home equity, auto, personal, and small business loans. The mortgage division, added in June 2000, is a core revenue driver. Digital delivery is layered on top: a web-based online banking portal, the CCB Mobile Banking app for iOS and Android (with mobile deposit, bill pay, and GPS branch/ATM locator), SMS/text banking, and a 24/7 voice banking IVR at 931-967-3771. A third-party CardHub debit card application is integrated into the mobile app, adding spending tracking, virtual card generation, family sub-accounts, Apple Pay/Google Pay tokenization, and AI-assisted budgeting insights.

Revenue is generated through a mix of net interest income on the loan portfolio (the largest stream), deposit-account fees, debit card transaction fees, and mortgage origination fees. Most deposit accounts carry no monthly service charge, with pricing on the consumer-friendly end of the community-bank spectrum. The bank is led by Chairman Dennis M. Walker and governed by a 13-member local Board of Directors, with ownership held by local investors and no disclosed parent company, institutional investor, or private equity sponsor. Strategic positioning is built on three pillars: local decision-making authority, multi-channel accessibility (physical + digital), and community involvement including scholarships, school sports sponsorships, and local events. CCB has received multiple national "top bank" recognitions, though the awarding body and specific years are not fully disclosed.

Name

Citizens Community Bank

Legal name

Citizens Community Bank

Website

https://ccbank.net

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Citizens Community Bank is a privately held, FDIC-insured community bank founded in 1995 in Winchester, Tennessee, operating three branches in Franklin County. It serves local consumers, small businesses, and home buyers with checking, savings, mortgages, and consumer/small business loans delivered through branches, mobile app, online, and SMS banking.

Ownership category

akta.pro rank

Product category

Community Banking

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Retail banking products
• Mortgage lending services
• Consumer loan products
• Digital banking channels

Headquarters

HQ city

Winchester

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Primary revenue source from interest charged on mortgage loans (including FHA, VA, USDA, and conventional loans), home equity products, auto loans, personal loans, and small business loans. The bank offers first mortgages, refinancing, construction loans, farm loans, and home improvement loans through its mortgage division established in 2000.
2. Checking Account Fees and Services: Revenue from checking account services including regular checking with free debit cards, Citizens Club Checking Deluxe 55 for customers 55+, money market checking accounts with tiered interest rates, and business accounts. Free debit cards are provided with all accounts, with MasterCard SecureCode fraud protection.
3. Savings and Investment Products: Revenue from regular savings accounts, certificates of deposit with various terms, individual retirement accounts (IRAs), and Christmas club accounts. Interest rates are competitive with penalties for early CD withdrawal.
4. Debit Card Transaction Fees: Income from debit card usage including transaction fees and the instant issue debit card replacement service at participating branches.
5. Mortgage Origination and Processing: Revenue from mortgage loan origination including conventional loans, FHA loans, VA loans, Rural Development loans, home equity loans and lines of credit, construction loans, and farm loans. The bank processes loan applications with approval often in less than 24 hours.
6. Cash Management Services: Commercial cash management services for business customers providing account management and liquidity solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Citizens Community Bank is a privately held community bank that provides traditional retail banking and lending products to individual consumers and small businesses in Franklin County, Tennessee. Its offerings include checking and savings accounts, certificates of deposit, IRAs, mortgages (FHA, VA, USDA, conventional, construction, and farm), home equity, auto, personal, and small business loans, supported by in-branch, mobile, online, SMS, and voice banking channels.

Product overview

Citizens Community Bank offers a comprehensive suite of traditional banking products and services across three physical branch locations in Tennessee. The core banking offerings include multiple checking and savings account types, certificates of deposit, individual retirement accounts, and Christmas club savings. The bank provides a full spectrum of lending products including home mortgages (with offerings through FHA, VA, USDA, conventional, and THDA programs), home equity loans and lines of credit, auto loans, personal loans, and small business loans. Digital banking capabilities are delivered through Online Banking (web-based), the CCB Mobile Banking App (iOS/Android), and SMS Banking (text-based). The CardHub Debit Card App is integrated within the mobile banking platform offering enhanced spending tracking, budgeting, virtual cards, and AI-powered financial insights. Additional services include Cash Management for business customers, Mobile Deposit for remote check processing, and a Security Center providing Fraud Prevention, Identity Theft Protection, and transaction monitoring. The mortgage division, added in 2000, serves as a significant component of the bank's offerings with same-day approval capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• CCB Mortgage: Mortgage lending division of Citizens Community Bank offering conventional loans, FHA loans, VA loans, Rural Development loans, first mortgages, refinance loans, home equity loans and lines of credit, home improvement loans, construction loans, and farm loans.
• CardHub

Products and services

• Regular Checking Account Basic checking account with no monthly service charge, unlimited check writing, free debit card, and online banking access for individual consumers.
• Citizens Club Checking Deluxe 55 Checking account for customers aged 55 and older with no monthly service charge, club checks included, and interest paid on balances of $1,000 or more.
• Money Market Checking Tiered interest rate checking account with debit card access, limited to six transactions per month with a $5.00 excess transaction charge per additional transaction.
• Business Checking Account Business checking account offering personalized local service for sole proprietors and small businesses; specific pricing details require contacting the bank.
• Regular Savings Account Simple savings account with few transaction restrictions and competitive interest rates for individual savers.
• Certificates of Deposit (CDs) Time deposits earning higher interest rates than regular savings, available in a range of terms, with penalties for early withdrawal.
• Individual Retirement Accounts (IRAs) Retirement savings accounts including traditional and Roth IRA options to help customers save for retirement.
• Christmas Club Account Savings account designed for holiday expenses, allowing customers to save throughout the year.
• Home Loans (Mortgages) Mortgage products including conventional loans, FHA loans, VA loans, rural development loans, first mortgages, home equity loans and lines of credit, home improvement loans, construction loans, and farm loans for home buyers and homeowners.
• Auto Loans Vehicle financing with competitive rates and flexible terms tailored to individual customer budgets.
• Personal Loans Unsecured loans for various personal needs including weddings, home improvements, medical bills, and other expenses.
• Small Business Loans Commercial lending for starting or growing local businesses, including financing for equipment, facilities, technology, and marketing capital.
• Mobile Deposit Remote check deposit service allowing customers to deposit checks by capturing check images via the CCB Mobile Banking app into checking, savings, or money market accounts.
• Instant Issue Debit Cards Same-day debit card issuance at participating branches for new accounts, replacements, or fraud-related card replacements.
• Cash Management Services Commercial cash management services for business customers providing account management and liquidity solutions via a secure internet banking portal.

Quantifiable outcome

• Loans often approved in less than 24 hours
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• MasterCardcoreTechnology or IntegrationMasterCard SecureCode provides an additional layer of fraud protection for debit cards used at participating online retailers. The service mimics the PIN or signature validation process used in physical retail for internet transactions by providing a digital receipt authenticated with a personal SecureCode.
• ApplecoreTechnology or IntegrationCCB Mobile Banking app is available for iPhone and iPad devices through the Apple App Store, providing mobile banking services integrated with Apple devices.
• GooglecoreTechnology or IntegrationCCB Mobile Banking app is available for Android smartphones and tablets through Google Play Store, providing mobile banking services integrated with Android devices.
• CardHubcoreTechnology or IntegrationCardHub is an integrated debit card management application within the CCB mobile banking platform offering smart money management, expense tracking, virtual card generation, and AI-powered budgeting insights.
• Federal Trade Commission (FTC)minorOthersCitizens Community Bank directs customers to report phishing and suspicious emails to the FTC at [email protected] or [email protected], and to [email protected] as part of fraud prevention efforts.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• FirstBank (Tennessee): Tennessee-based community bank offering deposit accounts, mortgages, and small business lending with digital banking capabilities — directly comparable community-banking model with similar product breadth.
• Wilson Bank & Trust: Tennessee community bank headquartered in Lebanon, TN offering consumer and commercial banking, mortgages, and digital channels — closely comparable in scope and Tennessee mid-market focus.
• SmartBank: Tennessee-headquartered community bank serving consumers and small businesses across the Southeast with deposit, lending, and digital banking products — comparable in operating geography and product mix.
• Reliant Bank: Tennessee-based community bank serving the Nashville metro and surrounding areas with consumer, mortgage, and commercial banking services — comparable in scale, geography, and product breadth.
• First Freedom Bank: Tennessee-based community bank of similar small scale, offering retail deposits, mortgages, and small business lending to local customers — directly comparable in business model, geographic focus, and product mix.

Broad incumbents

• Truist Financial: Large Southeast-focused national bank with a meaningful Tennessee branch footprint, offering deposit, mortgage, and commercial products — competes with CCB on consumer and small business banking with vastly greater scale.
• First Horizon Bank: Largest Tennessee-headquartered regional bank with full retail, mortgage, commercial, and wealth capabilities — competes with CCB in Tennessee consumer and small business banking, with far greater scale and digital investment.
• Regions Bank: Major Southeast regional bank operating branches throughout Tennessee with consumer, mortgage, and commercial banking — competes for the same deposit and small business customers as CCB but with substantially larger footprint and digital capabilities.
• Pinnacle Financial Partners: Large Tennessee-based regional bank offering the full suite of consumer, mortgage, commercial, and wealth management services across the Southeast — overlaps with CCB on consumer banking but operates at materially larger scale.

Regional players

• Atlantic Capital Bancshares (SouthState Bank): Southeast-focused regional bank offering consumer, mortgage, and commercial banking — overlaps with CCB's commercial and consumer banking model, primarily operating in the Carolinas, Georgia, and Virginia rather than Tennessee.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/citizenscommunitybank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Citizens Community Bank