Welcome Message

Dr. T.B. Boyd, III


Citizens Savings Bank & Trust Company, the oldest continuously operating minority-owned bank in the nation and the first minority owned bank in Tennessee, began operations 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. We take pride in our longevity, accomplishments, ideology, and future aspirations.

The Directors, Management and Staff of the bank continue the tradition of providing quality services through innovative methods. As a community minded bank, we focus on offering friendly and efficient service to satisfy our many loyal customers and to increase our customer base.

Today, the bank is a sound financial institution that has become an integral part of the total community. The Directors and Employees of the bank take an active stance in steering the direction of the bank by reviewing bank operations (policies and procedures), monitoring expenses and addressing regulatory compliance matters. We, also, review management recommendations for technological advancements and we are proud to offer you detailed and current information about Citizens… your Personal Bank. . . through this Website.