ESOP · DOL Form 5500 · 2022

Citizens Savings Bank & Trust ESOP

Data updated 2026-08-25

$764K
Total assets Small plan by assets
21
Participants Small participant base
22nd
Percentile by assets National rank
$36,379
Avg per participant Low balance/head
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Official DOL plan name: Citizens Savings Bank & Trust Employee Stock Ownership Plan · Sponsored by Citizens Savings Bank & Trust · Tennessee · Finance & Insurance

$764K in assets, 21 participants

Citizens Savings Bank & Trust's Citizens Savings Bank & Trust Employee Stock Ownership Plan reported $764K in total assets and 21 participants in its 2022 DOL Form 5500 filing, ranking in the 22nd percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #1,339 in Finance & Insurance (9,261 peers)

Citizens Savings Bank & Trust multi-year trail

Citizens Savings Bank & Trust's plans moved -35.5% in assets from 2022 to 2024; this filing shows Citizens Savings Bank & Trust Employee Stock Ownership Plan at $764K / 21 participants.

#1,339
in Finance & Insurance (9,261 peers)
-16.5%
assets change YoY

The plan reported a net loss of $84K for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Citizens Savings Bank & Trust Employee Stock Ownership Plan among the smaller filed plans by assets

Citizens Savings Bank & Trust Employee Stock Ownership Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$763,967 22nd percentile higher than 22% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Citizens Savings Bank & Trust Employee Stock Ownership Plan among smaller filed plans by headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Citizens Savings Bank & Trust Employee Stock Ownership Plan is a small filing (21 participants) on this national headcount ladder.

Published 5500 schedule card

Filing strip 620159460 · Citizens Savings Bank & Trust PY 2022 · ESOP

Citizens Savings Bank & Trust Employee Stock Ownership Plan · $764K · 21 · 22nd

  • EIN $764K
  • RANK 21
  • PHOTO 22nd
  • IND ESOP
  • EOY near Narragansett Jewelry Co., Inc. Employee Stock Ownership Plan and Trust
  • 5500 ind #1339

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with What is an ESOP? → · Plans in Tennessee →

Citizens Savings Bank & Trust Employee Stock Ownership Plan in the asset neighbourhood

Simbiotic Software, Inc. Employee Stock Ownership PlanSimbiotic Software, Inc. Emp…$766KCitizens Savings Bank & Trust Employee Stock Ownership PlanCitizens Savings Bank & Trus…$764KNarragansett Jewelry Co., Inc. Employee Stock Ownership Plan and TrustNarragansett Jewelry Co., In…$764KPaula Teacher & Associates Employee Stock Ownership PlanPaula Teacher & Associates E…$764KCreative Builders, Inc. Employee Stock Ownership PlanCreative Builders, Inc. Empl…$765K
End-of-year total assets ($M) among Citizens Savings Bank & Trust Employee Stock Ownership Plan and nearest nationwide ESOP peers. Source: DOL Form 5500 plan year 2022.

Citizens Savings Bank & Trust multi-year asset trail

Sponsor-wide plan assets over time

All Citizens Savings Bank & Trust plans reported in each filing year

Latest sponsor-wide plan assets
$493K 35.51396853529013% vs 2022
2024 filing year
$0.4M$0.5M$0.6M$0.7M$0.8M 202220232024 $0.76M $0.49M ▼ -35.5%
Year Plans Participants Total Assets
2022 1 21 $764K
2023 1 27 $553K
2024 1 28 $493K

Citizens Savings Bank & Trust filing trail (2022)

Total Assets (Beginning of Year)$914K
Net Assets (End of Year)$247K
Net Income-$84K
Employer EIN620159460
Plan Effective Date1990-01-01
Filing StatusFILING RECEIVED

Nearby ESOP Plans in Tennessee

Peer ESOP plans, same state, same plan type, ranked by total assets.

Citizens Savings Bank & Trust Employee Stock Ownership Plan vs. nearby ESOP plans in Tennessee, assets vs. participants Scatter plot of 6 data points. -100001000200030004000 -1000100200300400500 Total assets ($M) Participants Citizens Savings Bank & Trust Employee Stock Ownership Plan, Total assets ($M): 0.763967 · Participants: 21Citizens Savings Bank & Trust Employee Stock Ownership PlanBarr Brands International Amended and Restated Employee Stock Ownership Plan, Total assets ($M): 448.826239 · Participants: 312Barr Brands International Amended and Restated Employee Stock Ownership PlanZander Group Holdings, Inc. Employee Stock Ownership Plan, Total assets ($M): 199.960184 · Participants: 184Zander Group Holdings, Inc. Employee Stock Ownership Plan3ls, Inc. Employee Stock Ownership Plan, Total assets ($M): 118.475903 · Participants: 5053ls, Inc. Employee Stock Ownership PlanPaladin Capital, Inc. ESOP, Total assets ($M): 99.01375 · Participants: 3771Paladin Capital, Inc. ESOPChurchill Holdings, Inc. Employee Stock Ownership Plan, Total assets ($M): 93.135811 · Participants: 512Churchill Holdings, Inc. Employee Stock Ownership Plan
Citizens Savings Bank & Trust Employee Stock Ownership Plan vs. nearby ESOP plans in Tennessee, assets vs. participants
Compare Citizens Savings Bank & Trust Employee Stock Ownership Plan side-by-side with 3 peers →

Citizens Savings Bank & Trust Employee Stock Ownership Plan's out-of-state ESOP peers by assets and headcount

Outside Tennessee, the nearest ESOP by assets is Narragansett Jewelry Co., Inc. Employee Stock Ownership Plan and Trust in RI ($764K); by covered participants it is Eagle Metal Employee Stock Ownership Plan in FL (21 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (21 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Citizens Savings Bank & Trust Employee Stock Ownership Plan assets move in 2022? ▼
Citizens Savings Bank & Trust Employee Stock Ownership Plan declined sharply - down 16.5% during 2022, from $914K to $764K. Reported net income was -$84K.
How have Citizens Savings Bank & Trust plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Citizens Savings Bank & Trust's sponsor-wide assets declined 35.5%, from $764K to $493K.
Where does Citizens Savings Bank & Trust Employee Stock Ownership Plan rank by assets among Form 5500 filers? ▼
Citizens Savings Bank & Trust Employee Stock Ownership Plan ranks in the 22nd percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (among the smaller plans by assets on file).
Which ESOP plans are similar in size to Citizens Savings Bank & Trust Employee Stock Ownership Plan? ▼
Among ESOP plans in other states, the closest by assets is Narragansett Jewelry Co., Inc. Employee Stock Ownership Plan and Trust in RI ($764K, 50 participants).
Which ESOP plans cover a similar participant headcount to Citizens Savings Bank & Trust Employee Stock Ownership Plan? ▼
Among ESOP plans in other states, the closest by covered participants is Eagle Metal Employee Stock Ownership Plan in FL (21 participants, $27M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 620159460.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.