Member Spotlight

We sat down with Sydney Ball, Regional Business Development Manager for First Citizens National Bank, to learn more about their relationship-driven organization and the many community supported educational opportunities they offer.


First Citizens National Bank 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 are $1.7 billion in asset size and have created a culture that relies strongly on the communities they serve.

Their 25, soon to be 26, locations in Tennessee invest not only in building and developing women’s leadership skills, but also the communities in which they serve. FirstCNB’s motto centers around serving the community in the way that the community needs to be served. In their case, it means providing educational opportunities such as their nationally recognized Smart Women initiative, Banzai for Education, and investing in partnership support for  local organizations.

FirstCNB’s Smart Women program was created to educate women on financial literacy and how to successfully navigate complex, personal finances. First Citizens National Bank 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 is partnered with the Williamson County Library Foundation and the Williamson County Library. You can learn more about this informative, engaging and necessary initiative here.

What’s even better is that 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. A 12 woman advisory committee was created to help First Citizens National Bank see where the discrepancies in financial literacy lie in our community to better reach and understand the women they seek to serve. Be sure to learn more about past initiatives here and contact to get more information on their upcoming Smart Women session on April 9th. This is a free community event, and women across the community are invited to attend.

First Citizens National Bank is also involved in bringing Banzai for Education to Tennessee educators and students. They have currently served 172 teachers and educated 15,440 students. This premium online financial literacy program is meant to teach students how to navigate adult financial dilemmas with real-life scenarios. First Citizens National Bank is making it possible for educators and students to get access to this curriculum by sponsoring more than 70 schools 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 teammates. First Citizens National Bank sponsors A Vintage Affair, The Heritage Foundation of Williamson County, and the Franklin Rodeo, as well as One Generation Away. They even partner with Two Men and a Truck for a special Fill-A-Truck for Thanksgiving, giving families in need food and supplies needed during the holiday season.

First Citizens National Bank first moved to Williamson County to capitalize on the growth in Middle Tennessee. FirstCNB currently has 3, soon to be 4, locations in this market. 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.

Another special feature about First Citizens National Bank is that you will never find them in a metropolitan county. As they expand throughout Tennessee, they strategically place themselves in communities where they can truly make a difference, become involved and serve.

This full-service community bank is currently providing GOOD balance between continuing to be a community focused bank and introducing technology heavy banking services. First Citizens National Bank will always be centered on creating relationships and getting to know the banking needs of its community members. However, they have acknowledged that they need to position themselves ahead of the tech wave that is here to stay. So, download the FirstCNB online banking app, knowing that First Citizens National Bank 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