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Original filing (PDF)20251009154127NAL0003713587001
FIRST CITIZENS NATIONAL BANK
Form 5500
FILING_RECEIVED
FIRST CITIZENS NATIONAL BANK ESOP PLAN AND TRUST
Defined-contribution retirement plan
Signals · 2
95% in single holdingNo recordkeeper disclosed
Active participants
280
Accounts w/ balance
406
Plan assets (EOY)
$39.1M
Net assets (EOY)
$39.1M
How this plan invests
This plan
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
75
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "First Citizens Bancshares" is 95% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST CITIZENS NATIONAL BANK.
Plan sponsor
Name
FIRST CITIZENS NATIONAL BANK
EIN
62-0201100
Address
200 W COURT ST · DYERSBURG, TN · 380244641
Phone
(731) 287-4231
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
FIRST CITIZENS NATIONAL BANK
EIN
62-0201100
City
DYERSBURG, TN
Phone
(731) 287-4231
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2O · ESOP (non-leveraged)
3I · Requires investment in employer securities
2I · Stock bonus
Audit & trust (Schedule H)
Auditor
ATA, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
No Schedule C providers reportedInvestments
2 direct securities· $37.4M(96% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| First Citizens Bancshares | — | 553,916 | — | $35.5M | 90.8% | |
| Federated Prime Obligation | — | 1,993,877 | — | $2.0M | 5.1% |