Question 1

What is First Citizens National Bank?

Accepted Answer

First Citizens National Bank is a community-focused financial institution headquartered in Dyersburg, Tennessee. With approximately $2.6 billion in assets and 25 branch locations across Tennessee, the bank serves customers in 11 counties throughout the state. Known for delivering "Unbelievably Good" service, First Citizens National Bank combines the resources of a substantial regional bank with the personalized attention of a true community institution.

The bank maintains a strong commitment to community banking principles while offering products and services that rival larger national banks.

Question 2

When was First Citizens National Bank founded?

Accepted Answer

First Citizens National Bank was founded in 1889 when five board members purchased the Bank of Dyersburg building and hired three employees to open the doors of a Tennessee-chartered community bank originally known as Citizens Bank.

In 1923-1924, Citizens Bank merged with First National Bank of Dyersburg to form First Citizens National Bank of Dyersburg, creating the foundation of the institution that serves Tennessee today.

The bank successfully weathered the Great Depression of the 1930s through strong community relationships and employee interdependence, emerging with steady economic growth. Throughout the decades, the bank expanded its services, introducing drive-in banking in the 1960s and establishing a customer-centered mission under CEO Stallings Lipford in the 1970s-1980s.

Between 1990 and 2005, the bank experienced rapid growth, expanding into six additional West Tennessee counties with 10 new branches. In 1998, the bank partnered with White & Associates, an independent insurance provider, to offer comprehensive coverage specializing in business and agriculture.

The bank weathered the 2008 financial crisis without requiring government bailout, making strategic decisions that allowed it to outperform peer institutions. In 2013-2016, First Citizens expanded to Middle Tennessee and joined forces with Southern Heritage Bank in Cleveland, creating a statewide presence.

Question 3

Where is First Citizens National Bank headquartered?

Accepted Answer

First Citizens National Bank is headquartered in Dyersburg, Tennessee, located in Dyer County in the northwestern part of the state. The bank has served the Dyersburg community since its founding in 1889.

Question 4

Where does First Citizens National Bank operate?

Accepted Answer

First Citizens National Bank operates statewide across Tennessee with 25 standalone branch locations in 11 counties. The bank maintains a strong presence in West Tennessee with multiple offices in Dyersburg, as well as branches in Union City, Troy, Martin, Newbern, and Ripley.

The bank's footprint extends to Middle Tennessee with locations in the Nashville area (Franklin) and East Tennessee near Chattanooga (Cleveland area). This statewide presence allows the bank to maintain a community-by-community focus while serving customers throughout Tennessee.

The bank operates in the Dyersburg, TN metropolitan area and extends its services to customers across rural and urban communities throughout the state.

Question 5

What services does First Citizens National Bank offer?

Accepted Answer

First Citizens National Bank offers comprehensive banking services designed to rival those of larger national banks:

Personal Banking: Checking and savings accounts, money market accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), debit and credit cards, personal loans, and home equity lines of credit.

Mortgage Services: Experienced mortgage lending team providing home purchase loans and refinancing options with personalized guidance throughout the process.

Business Banking: Business checking and savings accounts, commercial loans, commercial and industrial lending, commercial real estate services, and cash management solutions.

Insurance Services: Through its partnership with White & Associates, the bank offers comprehensive insurance coverage specializing in business and agriculture insurance products.

Digital Banking: Online banking, mobile banking app, bill pay services, and other electronic banking tools providing convenient 24/7 access to accounts and services.

Additional Services: Safe deposit boxes and treasury management services for business clients.

Question 6

What makes First Citizens National Bank unique?

Accepted Answer

First Citizens National Bank distinguishes itself through its "Unbelievably Good Banking" philosophy, which emphasizes exceptional customer service and community commitment. The bank's tree logo symbolizes the institution's values: strong roots in the communities it serves, substantial branch growth supported by a healthy environment, and a people-centered approach placing customers at the apex.

With over 135 years of continuous operations since 1889, the bank has successfully navigated challenging economic periods including the Great Depression and the 2008 financial crisis without requiring government assistance. This resilience demonstrates prudent management and deep community relationships.

The bank maintains a truly statewide presence while preserving a community-by-community focus, allowing it to understand local needs while leveraging the resources of a $2.6 billion institution. Team members bring extensive collective banking experience, representing over 1,000 years of combined expertise.

First Citizens emphasizes relationship banking, with staff members deeply involved in community organizations and leadership roles throughout the regions they serve. The bank's commitment extends beyond financial services to active participation in economic development and quality of life improvements in Tennessee communities.

Question 7

What type of financial institution is First Citizens National Bank?

Accepted Answer

First Citizens National Bank is a national bank with a federal charter, operating as a community-focused commercial banking institution. As a nationally chartered bank, it is regulated by the Office of the Comptroller of the Currency (OCC) and carries the "National Bank" designation.

Despite its national charter, First Citizens operates with a strong community banking philosophy, emphasizing local relationships, personalized service, and commitment to the specific communities it serves across Tennessee. The bank functions as both a retail bank serving individuals and families, and a commercial bank providing comprehensive business banking and lending services.

Question 8

What is the bank's recent acquisition status?

Accepted Answer

In October 2025, Newark, Ohio-based Park National Corp. announced plans to acquire First Citizens Bancshares in a transaction valued at approximately $317.3 million. The deal is expected to close in the first quarter of 2026.

Upon completion, the combined entity will have approximately $12.5 billion in assets, $10.5 billion in deposits, and $9.6 billion in loans. First Citizens shareholders will own roughly 11% of the combined company, and First Citizens CEO Jeff Agee will lead Park's new Tennessee region.

This acquisition will mark Park National's first expansion into Tennessee, adding 24 First Citizens locations to Park's existing 80 offices. For First Citizens, the partnership provides enhanced lending capacity, greater resources for customers, and accelerated growth potential while maintaining its commitment to Tennessee communities.

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