Welcome Message


Citizens Savings Bank and Trust Company is the oldest, continuously operating and minority-owned bank in the nation and the first minority-owned bank in Tennessee.  It began operating in 1904 through the vision of three prominent Nashvillians: R. H. Boyd, Preston Taylor, and J.C. Napier. 

A survivor of many years of turbulence, its success is a rich testimony of the vision, dedication, and uncompromising commitment to provide superior and competitive products and services. The bank takes pride in its longevity, accomplishments, ideology, and future aspirations.  The focus of its corporate existence is based on socially conscious ideals.  

The Directors, management, and staff of the bank strive to maintain the tradition of providing quality services through innovative methods. As a community-minded bank, the focus is on offering products and services that enable customers to fulfill their personal dreams and grow their businesses. Today, the bank is a sound financial institution that has become an integral part of its communities.