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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

3.48%Q2 ’243.67%Q2 ’253.80%Q2 ’26+3%+5%

Non-interest income vs. expense

2.19%Q2 ’242.20%Q2 ’252.19%Q2 ’26+1%+1%

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

Executive Summary

  • Earnings: ROA of 1.04%, up 5 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.44% of loans (-12 bps YoY), with net charge-offs at 0.15%.
  • 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 (quarter, annualized)

1.04%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+16 bps YoY

Efficiency Ratio (quarter, annualized)

62.24%-278 bps YoY

Tier 1 Leverage Ratio

14.22%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.32%1.10%1.18%1.04%+5 bps
Return on Equity10.60%13.17%10.28%11.13%9.78%-82 bps
Net Interest Margin3.02%3.12%3.18%3.07%3.18%+16 bps
Efficiency Ratio65.02%58.38%62.58%61.57%62.24%-278 bps
Non-Interest Burden1.83%1.67%1.86%1.76%1.86%+2 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 / Loans0.02%-0.01%0.00%0.18%0.15%+13 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