First Citizens Bancshares, Inc. is the holding company for First Citizens National Bank (FirstCNB). The Company and its subsidiaries provide a range of commercial banking services to individuals and corporate customers in the mid-southern United States with a concentration in West Tennessee. The Company's primary products are checking and savings deposits and residential, commercial and consumer lending. The Company offers various loans, which include commercial, financial and agricultural loans; real estate-construction loans; real estate-mortgage loans; installment loans, and all other loans. FirstCNB offers personal banking services and business banking services. It offers trust services, such as trust and estate planning, estate settlement, investment services and retirement planning. It also offers mortgage services, including conventional mortgages, jumbo mortgages, reverse mortgages and rural development loans.