Citizens Bank & Trust serves the Atwood, Tennessee community - Citizen Bank and Trust

Citizens Bank & trust is the link between local bank service and big-bank convenience.


From our leaders to our customers, our Tennessee history runs deep. That’s why we’re bringing innovative banking technology to our community, while sustaining the relationships that define our lineage.

Charles Johnson
West Tennessee Market President

Johnson is a veteran Tennessee Banker with over 43 years of banking experience. His last position was as Vice President for Consumer, Commercial and Real Estate Lending for Centennial Bank, Medina, serving on its board until 2015 when the bank was acquired.
Charles is a graduate of the Southeastern School of Banking as well as The Southeastern School of Advanced Commercial Lending. He resides in Medina, TN where he is involved in many civic affairs.

Board Members

James B Webb

James “Jimbo” Webb was born and raised in Atwood, TN. His family started doing business with Citizens Bank and Trust in the 1940s.
Jimbo graduated from Atwood High School, University of Tennessee at Martin, with a degree in political science, and received a law degree from the University of Memphis. From 1980 to 2000, Mr. Webb served as legal counsel for the bank. He currently serves as Assistant District Attorney for Carroll County.

Paul Moore

In 1976, Moore began his career as a bookkeeper at Citizens Bank & Trust, a bank owned by his family since 1927. He later moved on to a teller position and advanced to CEO of the bank in 1990. He served in that role for 30 years and retired in 2020.


Citizens Bank & Trust is part of a network of community banks across Middle and West Tennessee. Explore our locations.


The latest news and updates for Citizens Bank & Trust customers and the Atwood community.

Investor Relations

Without the Lineage Financial Network investors, bringing modern capabilities to community banks across Tennessee wouldn’t be possible. We’re thankful our investors believe in empowering local banks with the innovative technology they need to continue serving the customers—and the community—they’ve always known.

Lineage Financial Network is serving communities in Middle and West Tennessee through partnerships with local banks.

Ready to partner with a bank that has the best interest of you and your community in mind?