Citizens Bank and Trust Company of Grainger County
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
$273.2MAssets
$115.5MLoans
$242.4MDeposits
$29.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 58% of banks under $1B in assets operating in a single state (rank 318 of 746).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets operating in a single state (rank 629 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 58% of banks under $1B in assets operating in a single state | 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 |