Who We Are

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, Citizens Savings Bank and Trust Company is a privately owned company with approximately $100 million in assets. The bank is a certified Community Development Financial Institution (CDFI) – a certification given to mission-driven financial institutions dedicated to expanding economic opportunity to economically disadvantaged individuals and underserved communities by providing access to financial products and services for local residents and businesses.

As a CDFI, Citizens Savings Bank puts its communities first and values local economic growth.  It does so by investing in areas underserved by the traditional banking sector, engaging in lending that supports affordable housing, small business and community facilities, and providing technical financial assistance to its customers.


Board of Directors

Atty. Richard Manson, Chairman

Mr. Paul Luter, Vice Chairman

Mr. Sergio Ora

Ms. LaDonna Boyd

Bishop Joseph W. Walker III

Mr. James R. Schmitz

Mr. Aole Ansari

Ms. Laquita Stribling


Bank Officers

Sergio Ora, President and Chief Executive Officer, Interim CFO

Corey Hammonds, Chief Credit Officer

Jeff McGruder, Chief Relationship Officer

Anna Harris, Vice President of Bank Administration

Joan Fleming, Vice President of Mortgage Lending

Clint Story, Vice President of Business Relations

Gregory Page, Assistant Vice President of IT