First Citizens National Bank - Home Mortgage

First Citizens National Bank
(901) 837-0133
123 Atoka Munford Ave, Atoka, TN

Message from the President / CEO
First Citizens National Bank was chartered as a full service community bank in 1889. For more than a century we have stood strong, serving the needs of customers through good times and bad. Throughout history there have been numerous financial challenges to the economy, not the least of which was the Great Depression of the 1930s. Even through those trying times, First Citizens National Bank remained open and available to serve the financial needs of customers. While current economic challenges are significant, First Citizens National Bank remains profitable, supported by a strong capital base and quality loan portfolio. Conservative management over a long period of time has positioned our bank to withstand the pressures exerted by a negative economy.

In these volatile times we understand our customer's concern for the safety of deposits that exceed the limits of FDIC Insurance. While financial markets are likely to remain volatile for the near term, First Citizens National Bank is pleased to offer financial security and peace of mind to customers utilizing the CDARS program. This is a Certificate of Deposit Account Registry Service that provides our customers full FDIC insurance on deposit amounts larger than $100,000. If you have an interest in this product, please feel free to call a First Citizens National Bank officer or drop by any one of our 21 convenient locations.

As legislators and regulators work through details of a plan to resolve the current economic crisis, you may be assured that First Citizens National Bank will weather the storm as an independent community bank. We stand ready to serve the financial needs of you, your family or your business in the future as we have done in the past. And as always, we appreciate your business.

Sincerely,

Jeffrey Dean Agee
President & CEO