Rutledge, TN · Cert 10317 · Citizens of Grainger Cnty Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
32
Profitability
42
Liquidity
4
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rutledge, TN · Cert 10317 · Citizens of Grainger Cnty Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.9% share · #18 of 42 inst. · $0.2B of $26.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.22% | 1.11% | 1.06% | 1.14% | 1.13% | 1.18% | 1.11% | +5 bps | |
| Return on Equity | 13.00% | 13.28% | 12.16% | 11.46% | 11.92% | 11.51% | 11.13% | 10.40% | -106 bps | |
| Net Interest Margin | 3.02% | 3.03% | 2.93% | 2.98% | 3.04% | 3.06% | 3.07% | 3.12% | +14 bps | |
| Efficiency Ratio | 60.02% | 59.95% | 62.30% | 63.68% | 61.87% | 62.05% | 61.57% | 61.91% | -177 bps | |
| Non-Interest Burden | 1.66% | 1.63% | 1.69% | 1.77% | 1.74% | 1.76% | 1.76% | 1.80% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.17% | -2.94% | 0.94% | -1.06% | 1.54% | 4.43% | 2.20% | 4.10% | +517 bps | |
| Loan Growth (YoY) | 18.06% | 12.11% | 8.38% | 9.02% | 8.40% | 10.17% | 7.07% | 5.05% | -397 bps | |
| Deposit Growth (YoY) | -4.08% | 0.68% | 2.91% | -0.17% | 3.08% | 2.42% | 1.04% | 3.28% | +345 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.64% | 0.61% | 0.55% | 0.54% | 0.49% | 0.45% | 0.44% | -12 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | -0.03% | -0.01% | -0.01% | -0.01% | 0.18% | 0.16% | +17 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.10% | 1.15% | 1.12% | 1.13% | 1.09% | 1.10% | -5 bps | |
| Allowance Coverage of NPLs | 2.8x | 1.8x | 1.8x | 2.1x | 2.1x | 2.3x | 2.4x | 2.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.16% | 14.17% | 14.22% | 14.15% | 14.55% | 14.33% | 14.45% | 14.22% | +8 bps | |
| Total Risk-Based Capital | 14.16% | 14.17% | 14.22% | 14.15% | 14.55% | 14.33% | 14.45% | 14.22% | +8 bps | |
| Equity / Assets | 10.46% | 8.94% | 9.35% | 9.38% | 10.63% | 10.76% | 10.45% | 10.83% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.57% | 43.52% | 43.72% | 46.84% | 46.87% | 46.81% | 46.33% | 47.64% | +80 bps | |
| Liquid Assets / Assets | 1.18% | 2.64% | 4.14% | 2.24% | 3.32% | 4.60% | 2.78% | 1.51% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.09% | 106.03% | 104.69% | n/a | n/a | |
Rutledge, TN · Cert 10317 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens of Grainger Cnty Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.11%
Rank 346 of 746
Net Interest Margin
3.12%
Rank 575 of 746
Efficiency Ratio
61.91%
Rank 318 of 746
Equity / Assets
10.83%
Rank 339 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 54% | 346 / 746 | ||
| Return on Equity | 10.27% | 6.74% | 10.51% | 13.63% | Beats 49% | 382 / 746 | ||
| Net Interest Margin | 3.12% | 3.17% | 3.68% | 4.16% | Beats 23% | 575 / 746 | ||
| Efficiency Ratio | 61.91% | 55.74% | 64.58% | 75.47% | Beats 58% | 318 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.42% | 1.07% | Beats 49% | 379 / 743 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 15% | 629 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.22% | 11.55% | 13.75% | 17.60% | Beats 54% | 343 / 746 | ||
| Total Risk-Based Capital Ratio | 14.22% | 11.71% | 14.33% | 18.43% | Beats 49% | 381 / 746 | ||
| Equity / Assets | 10.83% | 8.90% | 10.51% | 13.06% | Beats 55% | 339 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.64% | 61.31% | 78.27% | 90.78% | 11th pctl | 664 / 746 | ||
| Loans / Assets | 42.27% | 53.60% | 66.97% | 76.08% | 12th pctl | 658 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||