Community Banking in Spencer, TN | Citizens Tri-County Bank

Welcome to Citizens Tri-County Bank, your trusted partner for reliable and community-focused banking services in Spencer, TN. With a proud heritage of serving our friends and neighbors, we put your financial success first while maintaining the highest standards of integrity, safety, and customer care.

At Citizens Tri-County Bank, we offer a full suite of personal and business banking products designed to fit the needs of individuals, families, and local entrepreneurs. Whether you’re looking for convenient checking and savings accounts, competitive personal or business loans, or need tailored financial solutions, our experienced team is here to help. We pride ourselves on making banking easy, with friendly experts ready to guide you every step of the way.

Our welcoming branch at 489 Spring Street in Spencer, TN is designed for your comfort and security. As a Member FDIC and Equal Housing Lender, your financial wellbeing and peace of mind are our priorities. Join a banking family that values honesty, transparency, and the prosperity of our local community. Stop by today or call for more information on how Citizens Tri-County Bank can partner with you to achieve your financial goals.