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 | |