Member Spotlight

First Citizens National Bank: A True Community Bank Teaching the Value of Financial Literacy

We sat down with Sydney Ball, Regional Business Development Manager for First Citizens National Bank, to learn more about their community-driven organization and the community supported educational opportunities they offer. If you are like the many of us and think that banking is too complicated, then sit down, relax and read on.

First Citizens National Bank (FirstCNB) is currently celebrating 130 years in business in the state of Tennessee. This community centric organization is headquartered in Dyersburg, Tennessee and operates within 11 Tennessee counties.

They have created a culture that relies strongly on the communities they serve. Their 25, soon to be 26, locations in Tennessee center around building and developing women’s leadership skills and financial literacy, as well as investing in partnership support for local organizations.

FirstCNB’s Smart Women program was created to educate women on topics such as how to successfully navigate complex, personal finances. They have partnered with the American Library Association to develop and launch this initiative to offer educational programs and other resources to women on a range of topics designed to boost financial independence.

Locally, FirstCNB has partnered with the Williamson County Library Foundation and the Williamson County Library to bring this informative, engaging and necessary initiative here, to our community.

The Smart Women program will be coming to Williamson County for their first Middle Tennessee event on Tuesday, April 9th at 11:30 AM and 6:00 PM at the Williamson County Public Library. Speakers will be presenting on The Long Term Care Puzzle: Protecting Assets and Caring for the Aging Person.

To help FirstCNB bring this program to Williamson County, a 12 woman advisory committee was created to see where the discrepancies in financial literacy lie to better reach and understand the women they seek to serve.

Be sure to learn more about past initiatives here and contact  for more information on their upcoming Smart Women session on April 9th. This is a free community event, and women across the community are invited and encouraged to attend.

FirstCNB is also involved in introducing  Banzai for Education to Tennessee educators and students, a premium online financial literacy program meant to teach students on how to navigate adult financial dilemmas with real-life scenarios.

FirstCNB is making it possible for educators and students to get access to this curriculum by sponsoring more than 70 schools across Tennessee. Currently, they have served 172 teachers and educated more than 15,440 students across the state.

Their work with local organizations in Williamson County continues to prove how their community focus is engrained in their company culture and their staff. FirstCNB locally sponsors A Vintage Affair and the Franklin Rodeo, and partners with local nonprofits, The Heritage Foundation of Williamson County and One Generation Away. They even partner with Two Men and a Truck annually for a special Fill-A-Truck for Thanksgiving, giving families in need food and supplies needed during the holiday season.

FirstCNB first moved to Williamson County to capitalize on the growth in Middle Tennessee.

Their Cool Springs, Franklin and Spring Hill locations have become staples in Williamson County, and they hope to continue that through their newest location in Nolensville, coming later this year.

You will never find a FirstCNB in a metropolitan county, like Nashville-Davidson County, because they strategically place themselves in 

communities where they can truly make a difference, get involved and lay the groundwork for setting up real and trustworthy relationships.

FirstCNB will always be centered on creating relationships and getting to know the banking needs of its community members. However, they have acknowledged the need to position themselves ahead of the tech wave that is here to stay. So, download the FirstCNB online banking app, so that FirstCNB will always be there to help and support you in any way with unbelievably good service.

Be sure to visit their website,, like them on Facebook or find a branch located near you to learn how you can start banking with them! If you have any questions, reach out to Sydney Ball at

Be sure to visit their website,, like them on Facebook or find a branch located near you to learn how you can start banking with them! If you have any questions, reach out to Sydney Ball at