Citizens Bank has been named the top commercial lender in Tennessee for 2021 by the Independent Community Bankers of America (ICBA). 


Citizens Bank Named Top Business Lender in Tennessee

Independent Banker, the award-winning magazine of the Independent Community Bankers of America (ICBA) and the number-one source for community banking news, recognized Citizens Bank, Elizabethton, TN, as an ICBA top commercial lender, and the only commercial lender in Tennessee to be recognized in its release of the ICBA’s 2021 Top Lenders. Citizens Bank’s recognition is based on the strength of its competitive banking services and operational efficiencies throughout 2020.

“ICBA commends Citizens Bank and its staff on this outstanding achievement during this important time for our industry,” ICBA Executive Vice President and Chief Marketing Officer Rob Birgfeld said. “The success of this year’s standout performers is testament to their ingenuity, resourcefulness and steadfast devotion to their customers. ICBA is pleased to recognize these institutions for their mastery of the community bank business model and impressive lending results that help create and sustain communities of prosperity.”

The “ICBA’s Top Lenders 2021” demonstrates the strength of personal connections to create a pathway for success as agricultural, commercial, and consumer and mortgage lenders. It showcases the importance of sound and efficient banking practices and their local knowledge and expertise in adapting to shifting market dynamics and evolving customer needs.

The annual list is based on the strength of competitive banking services and operational efficiencies using FDIC data for 2020. Scores were determined by combining the average of the bank’s percentile rank for lending concentration and loan growth over the past year in each lending category and asset size and adjusted for loan charge-offs at certain percentile thresholds.

“Citizens Bank is honored to be included in this prestigious list of industry top performers,” said Kevin Jessee, Bank President. “We are proud to work alongside our friends and neighbors and to serve as stewards of our community. We credit our loyal customers and dedicated employees for our success and are honored to do our part to build a financial foundation that drives the economic prosperity throughout East Tennessee for the benefit of future generations.”

Click here to view this year’s ICBA Top Lenders listings.


About Citizens Bank

Citizens Bank is a locally owned and operated bank serving communities in East Tennessee. The bank was established in 1934 with 3 guiding principles at its foundation: 1. Assurance of safety to depositors, 2. A high standard of service to customers, and 3. A genuine desire to serve the community.  These principles are the core factor in the success that has lasted over 85 years and grown Citizens Bank to the renowned financial institution it is today. To learn more about Citizens Bank visit  


About ICBA

The Independent Community Bankers of America creates and promotes an environment where community banks flourish. ICBA is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education, and high-quality products and services. With nearly 50,000 locations nationwide, community banks constitute 99 percent of all banks, employ more than 700,000 Americans and are the only physical banking presence in one in three U.S. counties. Holding more than $5 trillion in assets, over $4.4 trillion in deposits, and more than $3.4 trillion in loans to consumers, small businesses and the agricultural community, community banks channel local deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation and fueling their customers’ dreams in communities throughout America. For more information, visit ICBA’s website at