At a glance
From its website, read 2 Nov 2026Citizens Savings Bank and Trust Company is a bank or thrift based in Nashville, Tennessee. Its website describes commercial real estate loans, home mortgages, personal loans and 1 other loan type. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (615) 327-9787 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.bankcbn.com |
| Office (official list) | 1917 Heiman Street, Nashville, TN 37208 |
What their website says about applying
To start the process, contact us at (615) 327-9787.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 55635 |
| Address | 1917 Heiman Street, Nashville, TN 37208 Directions (Google Maps) |
| Website | www.bankcbn.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts, terms and eligibility rules were not stated on the pages fetched, and most loan detail pages were not among them. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Whether you are looking to purchase, construct, refinance, or take advantage of equity in an existing real estate investment, Citizens Bank offers several solutions which can help meet the needs of your business. | source |
| Home mortgages | — | In the market for a new home? Our mortgage team is ready to assist you and provide guidance every step of the way. | source |
| Personal / consumer loans | — | Personal Loan Application | source |
| Small-business loans | — | We offer a wide range of loans to fuel your business’s growth and future prosperity. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Personal Loan Application
source
Pages read (7)
- https://www.bankcbn.com/
- https://www.bankcbn.com/services/personal-lending-application/
- https://www.bankcbn.com/services/personal-banking/
- https://www.bankcbn.com/services/business-banking/
- https://www.bankcbn.com/services/personal-banking/personal-cds/
- https://www.bankcbn.com/services/personal-banking/personal-iras/
- https://www.bankcbn.com/services/personal-banking/savings-accounts/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3 million in 4 awards from the U.S. Treasury's CDFI Fund, 2000–2005 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2005 | Bank Enterprise Award Program | $234,000 |
| 2004 | Bank Enterprise Award Program | $1,332,332 |
| 2001 | Bank Enterprise Award Program | $858,000 |
| 2000 | Bank Enterprise Award Program | $571,278 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Citizens Savings Bank and Trust Company (FDIC cert 10319). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $188.1 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
Tennessee (2 offices)
- Davidson County (2): 2013 Jefferson St, Nashville 37208 (main office); 1917 Heiman St, Nashville 37208
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Citizens Savings Bank and Trust Company (RSSD 55635, FDIC cert 10319). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $160.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 0.5% from $161 million on 30 Jun 2025 |
| Total assets | $188.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $92.1 million | 57.5% |
| Home equity lines of credit | $398,000 | 0.2% |
| Commercial real estate, construction and multifamily | $48.7 million | 30.4% |
| Commercial and industrial (business) loans | $8.7 million | 5.4% |
| Consumer loans (credit cards, auto, other) | $6.4 million | 4.0% |
| All other loans and leases | $3.9 million | 2.4% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $841,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 10 loans $407,000 | 43 loans $1.7 million |
| $100,001 to $250,000 | 18 loans $3.3 million | 10 loans $1.5 million |
| $250,001 to $1 million | 26 loans $11.6 million | 4 loans $3.2 million |
| All small business loans | 54 loans $15.3 million | 57 loans $6.5 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Citizens Savings Bank and Trust Company reported 44 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $14.8M (median loan about $290,000). 32 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 32 | 73% |
| Refinance (incl. 9 cash-out) | 12 | 27% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 44 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 9 counties with at least one; 100% of its 2025 loans were for properties in Tennessee:
- Davidson County, TN (23)
- Rutherford County, TN (6)
- Shelby County, TN (5)
- Robertson County, TN (3)
- Sumner County, TN (3)
Filed under LEI 2138005KH543RLMQHE28 as “Citizens Savings Bank & Trust Co”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $188.1 million | Larger than 18% of the 17 other certified banks and bank holding companies in Tennessee (median $367.8 million). |
| Loans as a share of assets | 85% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $161 million → $160.2 million (-1%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +9%. Rank by loans held among these 18: 14 → 14. |
| Home loans originated in 2025 (HMDA) | 44 | More than 21% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 18% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 14 → 14 of 18 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 21% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Nashville and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- METROPOLITAN TEACHERS' CREDIT UNIONCredit union · Nashville, TNAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- Southeast Community Capital Corporation DBA Pathway LendingLoan fund · Nashville, TNOfficial list only
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
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