Citizens Tri-County Bank was organized in 1972 as Citizens Bank, and received its bank charter in July of that same year. The new bank opened for business in October, 1972, with $ 500,000 in capital, initially operating in a trailer at the bank’s current Main Office location in downtown Dunlap, Tennessee.

Organizers of the bank were: Elmer Studer, H. Glenn Barker, W.L. Rogers, Flavius Barker, Dr. Charles Graves, and Preston Cates.

Henry Phillips from Waynesboro, Tennessee, was hired as the bank’s first Manager and CEO, and in the Spring of 1973, the bank moved from its trailer to a new building, where an Open House was held in May of that year. In 1980, William Broyles was hired as Manager and CEO, and in 1980, the bank’s total assets were $ 7 million.

On January 1, 1983, L.A, Broomfield became the bank’s Manager and CEO, and in October of that year, H. Glenn Barker was hired as President, Chairman and CEO. At that time, the bank’s assets had reached $ 10 million dollars.

On May 24, 1984, Citizens Bank bought Bledsoe County Bank in Pikeville, Tennessee, and ended 1984 year with assets of $15 million dollars. The bank then changed its name to Citizens Bank of Dunlap and Pikeville. In 1992, the bank acquired three Nations Bank Grundy County, Tennessee locations, in Tracy City, Altamont, and Palmer, and the bank’s name was changed to Citizens Tri-County Bank. The year 1992 ended with the bank having $ 68 million in assets.

The bank’s Dunlap Main Office was re-modeled  in 1993, and its size tripled.  Citizens Tri-County Bank branched into Marion County, Tennessee, in 1994, with a new office in Whitwell, and in 1995 , with its purchase of an Amsouth Bank office in South Pittsburg. At the close of 1995, the bank had $113 million dollars in assets. Continuing to expand, a new office in Jasper, Tennessee was constructed and opened in 1999. Year 2000 saw the bank branch into Hamilton County, Tennessee, opening a new office in Signal Mountain, and ending that year with assets of $ 202 million dollars.

In 2001, Citizens Tri-County Bank began construction on the Depot Office Centre adjacent to its Dunlap Main Office, completing the construction in 2002. With our continued growth and preparation for the future, The Depot Centre expanded to better serve the needs of our community and now houses our CTCB Business Centre. Two more banks were purchased in Grundy County in 2002, one in Monteagle, the other in Tracy City. At the end of 2002, the bank’s assets had increased to $ 277 million dollars. The year 2004 saw the addition of another new Hamilton County office, located in Soddy Daisy, and the bank finished 2004 with assets of $ 307 million dollars.

Another milestone in the bank’s history occurred in 2005 when Mrs. Ann Smith was elected as the bank’s President. Mrs. Smith began her banking career in May of 1967 as a bookkeeper at Beach State Bank in Panama City, Florida. In 1977, she was employed by Citizens Bank, and her outstanding service to Citizens Tri-County Bank continues today as the bank’s President Emeritus.

Also in 2005, Citizens Tri-County Bank expanded into Warren County, Tennessee with the purchase of Cumberland Bank in McMinnville, and bank assets totaled $ 353 million dollars at the end of that year. In 2006, the bank’s expansion continued with the acquisition First National Bank of Tullahoma in Coffee County, Tennessee, and assets at the end of 2006 were $433 million dollars.

In March of 2011, John V. Barker became President and CEO of Citizens Tri-County Bank.  In June of 2011, Citizens Tri-County Bank expanded into Van Buren County in Tennessee, with the acquisition of Citizens Bank of Spencer, closing that year with assets of $568 million dollars.

Today, Citizens Tri-County Bank is a $650 million dollar bank, operating in 8 Tennessee counties, with 242 employees, 18 full service offices, 5 drive-thru branches, and 26 ATM’s. The bank also serves customers across the globe with internet banking.

Serving on the bank’s Board of Directors are: Jennifer A. Mitchell, L. Thomas Austin, Charles Barker, Flavius Barker, H. Glenn Barker, John V. Barker, William H. Hatfield, C. Ann Smith, and Ronald H. Swafford. H. Glenn Barker serves as Chairman of the Board, and John V. Barker serves as President and CEO.

Citizens Tri-County Bank provides a full line of bank services, from ACH Origination, Loans, In House Mortgage Office,  ValuePlus Checking, E-Statements, online Bill Pay, Senior Programs and Travel Club, to Real Time Internet Banking, 24 Hour Voice Response Banking Services,  and takes great pride in the bank’s slogan, “THE ONLY COMMUNITY BANK YOU’LL EVER NEED”!