PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank and Trust Company of Grainger County

Rutledge, TN · Cert 10317 · Citizens of Grainger Cnty Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$273.2MAssets
$115.5MLoans
$242.4MDeposits
$29.6MEquity
Loan mix
93%RE $105.1M4%C&I $4.1M4%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $157.6M35%Noninterest $84.8MQ2 2025Q2 2026

NIM

3.50%Q2 ’243.62%Q2 ’253.73%Q2 ’260%+5%

Non-interest income vs. expense

2.06%Q2 ’242.13%Q2 ’252.14%Q2 ’26+4%+2%

Market Position · Knoxville, TN · 2026 SOD (annual) · 0.9% share · #18 of 42 inst. · $0.2B of $26.6B

Executive Summary

  • Earnings: ROA of 1.11%, up 5 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.44% of loans (-12 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 14.22%, up 8 bps from a year ago.
  • Funding: loans stand at 47.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+14 bps YoY

Efficiency Ratio (YTD, annualized)

61.91%-177 bps YoY

Tier 1 Leverage Ratio

14.22%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.14%1.13%1.18%1.11%+5 bps
Return on Equity11.46%11.92%11.51%11.13%10.40%-106 bps
Net Interest Margin2.98%3.04%3.06%3.07%3.12%+14 bps
Efficiency Ratio63.68%61.87%62.05%61.57%61.91%-177 bps
Non-Interest Burden1.77%1.74%1.76%1.76%1.80%+4 bps
Growth
Asset Growth (YoY)-1.06%1.54%4.43%2.20%4.10%+517 bps
Loan Growth (YoY)9.02%8.40%10.17%7.07%5.05%-397 bps
Deposit Growth (YoY)-0.17%3.08%2.42%1.04%3.28%+345 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.54%0.49%0.45%0.44%-12 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.18%0.16%+17 bps
Allowance / Loans1.15%1.12%1.13%1.09%1.10%-5 bps
Allowance Coverage of NPLs2.1x2.1x2.3x2.4x2.5x+0.4x
Capital
Tier 1 Leverage Ratio14.15%14.55%14.33%14.45%14.22%+8 bps
Total Risk-Based Capital14.15%14.55%14.33%14.45%14.22%+8 bps
Equity / Assets9.38%10.63%10.76%10.45%10.83%+144 bps
Liquidity & Funding
Loans / Deposits46.84%46.87%46.81%46.33%47.64%+80 bps
Liquid Assets / Assets2.24%3.32%4.60%2.78%1.51%-73 bps
CRE / Total Capitaln/a107.09%106.03%104.69%n/an/a