Good If You...

  • Need Help Securing and Directing Your Assets
  • Want a Financial Plan that Coordinates with Your Will
  • Are Looking for Certain Tax Advantages1
  • Enjoy Personal Service from a Local Representative

Expert Advice

We want to be the people you come to for help with the biggest financial decisions of your life. Since 1925, our Wealth Management & Trust Department's mission has been to understand each customer’s specific financial goals. Our local presence has helped us develop an appreciation of our neighbors’ needs. You can count on the First Citizens National Bank Wealth Management & Trust Department's expert guidance — and unbelievably good advice — to help you with all of your estate planning and investment needs.


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Call Wealth Management & Trust Services at 731.287.4239


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First Citizens National Bank Trustee Andy Carter

Andy Carter, JD, CTFA
Senior Vice President, Senior Trust Officer & Manager of Wealth Management & Trust Services

First Citizens National Bank Trustee Mary Evelyn Ramsey

Mary Evelyn Ramsey, CFP®, CTFA
Vice President & Personal Trust Officer, Dyersburg Office Manager

First Citizens National Bank Trustee Rachel Anders

Rachel Anders, CTFA
Assistant Vice President & Trust Officer

1 Consult a qualified tax professional for details.

Not FDIC Insured • Not Bank Guaranteed • May Lose Value • Not Insured by Any Federal Government Agency • Not a Bank Deposit