Case Study: Citizens National Bank achieves a highly customizable, growth-ready core with Jack Henry Banking (SilverLake System)

PowerOn Puts the Power of Customization and Integration in Your Hands

Citizens National Bank, a community bank in Sevierville, Tennessee with assets of $930 million and about 15,000 online customers, needed a more customizable core and better reporting as it approached the $1 billion mark. The bank determined its legacy CIF 20/20® core limited its ability to improve online and in-branch experiences, ramp up mobile offerings, generate fee income, and remedy operational inefficiencies, so it selected Jack Henry Banking’s SilverLake System® to provide the flexibility and complementary solutions required.

Jack Henry Banking implemented the SilverLake System® along with complementary tools such as Banno, Xperience™, PowerOn®, and SilverLake Teller Capture™, supporting Citizens National Bank through rigorous planning, a week-long mock conversion, and a flawless conversion weekend. The result was a seamless go‑live—Monday processing ran without incident and every application was in balance—while delivering greater customization, improved online and mobile channels, faster account openings, unified customer experiences, and operational efficiencies that position the bank for continued growth.

Citizens National Bank

Pam Ihli

Senior Vice President & Chief Technology Officer