📞 Main Phone: (423) 949-2173
📧 Customer Service Email: ccc@ctcbonline.com
⏰ Hours of Operation:
Hours of Operation:
Lobby:
Monday – Thursday: 8:00 AM – 4:00 PM
Friday: 8:00 AM – 5:00 PM
Saturday: 8:00 AM – 12:00 PM
Drive-Thru:
Monday – Thursday: 8:00 AM – 4:00 PM
Friday: 8:00 AM – 5:00 PM
Saturday: 8:00 AM – 12:00 PM
Empowering Communities Across Tennessee
Established in 1972, Citizens Tri-County Bank (CTCB) has become a cornerstone financial institution headquartered in Dunlap, Tennessee. With assets exceeding $1.46 billion as of September 2024, CTCB operates 23 full-service offices and 5 satellite offices across 9 counties in Tennessee, employing over 292 dedicated professionals.
Our Impact on the Community
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💼 Economic Development
✔ Community Investment: CTCB is committed to fostering economic growth by providing a range of financial products and services tailored to meet the needs of individuals, businesses, and agricultural enterprises. Their offerings include various loan options, deposit accounts, and online banking services, all designed to support the financial well-being of their customers.
✔ Financial Stability: Demonstrating robust financial health, CTCB maintains an 'A' health rating, reflecting strong capitalization and consistent growth. As of the third quarter of 2024, the bank reported total assets of $1.46 billion, with loans amounting to $906.2 million and deposits totaling $1.32 billion.
🏫 Community Engagement and Services
✔ Local Presence: With a substantial footprint in the region, CTCB operates numerous branches, ensuring accessible banking services for both urban and rural communities. Their extensive network underscores a commitment to personalized customer service and community involvement.
✔ Customer-Centric Initiatives: CTCB offers innovative solutions like the MyCardRules app, empowering customers to manage their debit cards directly from their mobile devices. This tool enhances security and provides real-time control over card usage, reflecting the bank's dedication to leveraging technology for improved customer experiences.
🏦 Financial Products and Services
✔ Diverse Offerings: CTCB provides a comprehensive suite of financial products, including personal and commercial loans, mortgages, and various deposit accounts. Their services are designed to cater to the diverse needs of their clientele, from individuals to large enterprises.
✔ Digital Banking: Embracing modern banking trends, CTCB offers robust online and mobile banking platforms, allowing customers to manage their finances conveniently and securely from anywhere. Features include account monitoring, fund transfers, and bill payment services.
🏡 Community Development & Outreach
✔ Expanding Services – While rooted in Grundy County, BetterFi extends its services across Tennessee, including Hamilton County, to address financial inequities.
✔ Collaborative Partnerships – By partnering with nonprofits, community groups, and financial institutions, BetterFi fosters economic justice and financial stability.
Our Branches:
Altamont Branch
Address: 1548 Main Street, Altamont, TN 37301
Phone: (931) 692-3221Hours:Monday – Thursday: 8:30 AM – 4:00 PMFriday: 8:30 AM – 5:00 PMSaturday: 8:30 AM – 12:00 PMSunday: Closed
Services: Full-service banking
Tracy City Depot Branch
Address: 481 Railroad Avenue, Tracy City, TN 37387Phone: (931) 592-2741Hours:Monday – Thursday: 8:30 AM – 4:00 PMFriday: 8:30 AM – 5:00 PMSaturday: ClosedSunday: Closed
Services: Full-service banking
Coalmont Branch
Address: 25709 State Route 56, Coalmont, TN 37313Phone: (931) 779-2267Hours:Monday – Thursday: 8:30 AM – 4:00 PMFriday: 8:30 AM – 5:00 PMSaturday: 8:30 AM – 12:00 PMSunday: Closed
Services: Full-service banking
Monteagle Branch
Address: 80 East Main Street, Monteagle, TN 37356Phone: (931) 924-4242Hours:Monday – Thursday: 8:30 AM – 4:00 PMFriday: 8:30 AM – 5:00 PMSaturday: 8:30 AM – 12:00 PMSunday: Closed
Services: Full-service banking
Tracy City Branch
Address: 26 Colyar Street, Tracy City, TN 37387Phone: (931) 592-9221Hours:Monday – Thursday: 8:30 AM – 4:00 PMFriday: 8:30 AM – 5:00 PMSaturday: 8:30 AM – 12:00 PMSunday: Closed
Services: Full-service banking
Cowan Branch (Nearest to Sewanee)
Address: 105 Front Street South, Cowan, TN 37318
Phone: (931) 967-2900Hours:Monday – Thursday: 8:30 AM – 4:00 PMFriday: 8:30 AM – 5:00 PMSaturday: 8:30 AM – 12:00 PMSunday: Closed
Services: Full-service banking
🚀 Looking Ahead
Citizens Tri-County Bank remains steadfast in its mission to support the financial aspirations of its communities. Future initiatives include:
✅ Technological Advancements: Continuing to invest in digital infrastructure to enhance customer service and operational efficiency.
✅ Community Development: Expanding outreach programs and financial education workshops to empower residents with essential financial literacy skills.
✅ Sustainable Growth: Maintaining prudent financial practices to ensure long-term stability and the ability to meet the evolving needs of their customers.
Through unwavering dedication to community engagement, financial innovation, and customer service excellence, Citizens Tri-County Bank exemplifies the role of a community-focused financial institution in today's dynamic economic landscape.