ESOP · DOL Form 5500 · 2024

First Citizens National Bank ESOP

Data updated 2026-08-25

$39M
Total assets Below avg plan size
281
Participants Below avg headcount
81st
Percentile by assets National rank
$138,990
Avg per participant Near avg balance/head
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Official DOL plan name: First Citizens National Bank ESOP Plan and Trust · Sponsored by First Citizens National Bank · Tennessee · Finance & Insurance

$39M in assets, 281 participants

First Citizens National Bank's First Citizens National Bank ESOP Plan and Trust reported $39M in total assets and 281 participants in its 2024 DOL Form 5500 filing, ranking in the 81st 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.

  • #6,044 in Finance & Insurance (8,549 peers)

Coverage in Tennessee

First Citizens National Bank ESOP Plan and Trust covers 281 participants in Tennessee, about 25% of the average Tennessee filer (state average ~1,126 per filing). Assets: $39M.

#6,044
in Finance & Insurance (8,549 peers)
+9.6%
assets growth YoY
0.4×
vs typical plan assets (national mean)

First Citizens National Bank ESOP Plan and Trust's outsized position by total assets

First Citizens National Bank ESOP Plan and Trust vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$39,056,275 Top 19% higher than 81% of 123,620 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 2024

First Citizens National Bank ESOP Plan and Trust among mid-size filed plans by headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. First Citizens National Bank ESOP Plan and Trust sits mid-pack in the medium band (281 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • First Citizens National Bank ESOP Plan and Trust reported net income rose from -$7M in the plan year 2023 filing to $3M in the plan year 2024 filing.
  • First Citizens National Bank ESOP Plan and Trust end-of-year assets rose from $36M in the plan year 2023 filing to $39M in the plan year 2024 filing.
  • First Citizens National Bank ESOP Plan and Trust reported participants fell from 285 in the plan year 2023 filing to 281 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Published 5500 schedule card

Filing strip 620201100 · First Citizens National Bank PY 2024 · ESOP

First Citizens National Bank ESOP Plan and Trust · $39M · 281 · 81st

  • BOY $39M
  • BOY 281
  • BOY 81st
  • BOY ESOP
  • BOY near Club Fitness Employee Stock Ownership Plan
  • BOY ind #6044

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 →

First Citizens National Bank ESOP Plan and Trust in the asset neighbourhood

Club Fitness Employee Stock Ownership PlanClub Fitness Employee Stock …$39MKelly-Fradet Lumber Employee Stock Ownership PlanKelly-Fradet Lumber Employee…$39MFirst Citizens National Bank ESOP Plan and TrustFirst Citizens National Bank…$39MStoneage Employee Stock Ownership PlanStoneage Employee Stock Owne…$39MAptura Employee Stock Ownership PlanAptura Employee Stock Owners…$39M
End-of-year total assets ($M) among First Citizens National Bank ESOP Plan and Trust and nearest nationwide ESOP peers. Source: DOL Form 5500 plan year 2024.

Tennessee filing particulars

Total Assets (Beginning of Year)$36M
Net Assets (End of Year)$39M
Net Income$3M
Employer EIN620201100
Plan Effective Date1985-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (First Citizens National Bank)

Sponsor-wide plan assets over time

All First Citizens National Bank plans reported in each filing year

Latest sponsor-wide plan assets
$76M 3.7375309307730897% vs 2022
2024 filing year
$65M$70M$75M$80M 202220232024 $73.3M $76M ▲ +3.7%
Year Plans Participants Total Assets
2022 2 625 $73M
2023 2 576 $68M
2024 2 565 $76M

Nearby ESOP Plans in Tennessee

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

First Citizens National Bank ESOP Plan and Trust vs. nearby ESOP plans in Tennessee, assets vs. participants Scatter plot of 6 data points. 050010001500 0100200300400500 Total assets ($M) Participants First Citizens National Bank ESOP Plan and Trust, Total assets ($M): 39.056275 · Participants: 281First Citizens National Bank ESOP Plan and TrustBarr Brands International Amended and Restated Employee Stock Ownership Plan, Total assets ($M): 470.413823 · Participants: 403Barr Brands International Amended and Restated Employee Stock Ownership PlanZander Group Holdings, Inc. Employee Stock Ownership Plan, Total assets ($M): 247.006343 · Participants: 201Zander Group Holdings, Inc. Employee Stock Ownership PlanNational Health Corp Leveraged Employee Stock Ownership Plan, Total assets ($M): 168.305927 · Participants: 1385National Health Corp Leveraged Employee Stock Ownership Plan3ls, Inc. Employee Stock Ownership Plan, Total assets ($M): 143.44577 · Participants: 5153ls, Inc. Employee Stock Ownership PlanSmith Seckman Reid, Inc. Employee Stock Ownership Plan, Total assets ($M): 116.245191 · Participants: 507Smith Seckman Reid, Inc. Employee Stock Ownership Plan
First Citizens National Bank ESOP Plan and Trust vs. nearby ESOP plans in Tennessee, assets vs. participants
Compare First Citizens National Bank ESOP Plan and Trust side-by-side with 3 peers →

First Citizens National Bank ESOP Plan and Trust's out-of-state ESOP peers by assets and headcount

Outside Tennessee, the nearest ESOP by assets is Club Fitness Employee Stock Ownership Plan in MO ($39M); by covered participants it is Wohlsen Construction Company Employee Stock Ownership Plan in PA (281 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (281 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did First Citizens National Bank ESOP Plan and Trust assets move in 2024? ▼
First Citizens National Bank ESOP Plan and Trust grew at a solid clip - up 9.6% during 2024, from $36M to $39M. Reported net income was $3M.
How have First Citizens National Bank plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), First Citizens National Bank's sponsor-wide assets grew 3.7%, from $73M to $76M.
Where does First Citizens National Bank ESOP Plan and Trust rank by assets among Form 5500 filers? ▼
First Citizens National Bank ESOP Plan and Trust ranks in the 81st percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (in the top quartile of all filed plans by assets).
Which ESOP plans are similar in size to First Citizens National Bank ESOP Plan and Trust? ▼
Among ESOP plans in other states, the closest by assets is Club Fitness Employee Stock Ownership Plan in MO ($39M, 195 participants).
Which ESOP plans cover a similar participant headcount to First Citizens National Bank ESOP Plan and Trust? ▼
Among ESOP plans in other states, the closest by covered participants is Wohlsen Construction Company Employee Stock Ownership Plan in PA (281 participants, $32M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 620201100.

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.