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First Citizens National Bank

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First Citizens National Bank Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Citizens National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare First Citizens National Bank rates to other rates in our database, including 12-month CD rates currently at 4.30%, 6-month CD rates at 0.10% and 3-month CD rates at 3.75%. Savings rates are at 0.15% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to First Citizens National Bank rates. MonitorBankRates evaluates the financial stability of First Citizens National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates were last updated on 03/29/2026.

First Citizens National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Citizens National Bank? Share your experience about First Citizens National Bank by leaving a review below, or read customer reviews before you decide to use First Citizens National Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.19%

Excellent Lower than avg

First Citizens National Bank

1 First Citizens Pl
Dyersburg, TN 38024

https://www.firstcnb.com

Current Rate Availability

We do not have First Citizens National Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Citizens National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Citizens National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Citizens National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Citizens National Bank

Bank Holding Company FIRST CITIZENS BANCSHARES INC

Address 1 First Citizens Pl, Dyersburg, TN 38024 · Dyer

Website https://www.firstcnb.com

FDIC Certificate # 4972

Established 01/01/1889

FDIC Insurance Date 01/01/1934

Domestic Offices 25

Total Branches 25

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.19%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8298%

Return on Equity (ROE) 11.7700%

Non-Performing Loans (NPL) 0.07%

Total Assets $2,651,069,000

Total Deposits $2,263,116,000

Equity Capital $231,220,000

Net Income $23,983,000

Headquarters Dyersburg

Total Offices 25

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About First Citizens National Bank

Is First Citizens National Bank a safe place to deposit money?

Yes, First Citizens National Bank is considered a safe financial institution. With a Texas Ratio of 1.1874679130301%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First Citizens National Bank operate?

First Citizens National Bank currently maintains approximately 25 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Citizens National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Citizens National Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Citizens National Bank offer online and mobile banking?

Most modern institutions like First Citizens National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcnb.com.