$275M
+2.2%y/y
Percentile by value89th percentileby value
FDIC
ASSETCB
Citizens Bank and Trust Company of Grainger County
Rutledge, TennesseeFDIC Cert #10317
STATEEstablished 19195 branches
Holding company: CITIZENS OF GRAINGER CNTY CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens Bank and Trust Company of Grainger County reported $275M in total assets. Deposits grew 1.04% over the prior year.
Return on assets was 1.18%, compared with an asset-peer median of 1.18%. The leverage ratio was 14.45%.
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$245M
+1.0%y/y
Percentile by value93rd percentileby value
FDIC
DEP$112M
+7.1%y/y
Percentile by value50th percentileby value
FDIC
LNLSNET1.18%
+7 bpsy/y
Peer standing50th percentile
FDIC
NETINC + ROA61.57%
−73 bpsy/y
Peer standing58th percentile
FDIC
NONIX + NIM + NONII + EEFFR14.45%
+23 bpsy/y
Peer standing81st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $268M | $225M |
| Q3 2021 | $275M | $232M |
| Q4 2021 | $284M | $243M |
| Q1 2022 | $284M | $253M |
| Q2 2022 | $279M | $257M |
| Q3 2022 | $273M | $256M |
| Q4 2022 | $275M | $254M |
| Q1 2023 | $274M | $250M |
| Q2 2023 | $266M | $243M |
| Q3 2023 | $263M | $240M |
| Q4 2023 | $269M | $235M |
| Q1 2024 | $266M | $235M |
| Q2 2024 | $265M | $235M |
| Q3 2024 | $263M | $231M |
| Q4 2024 | $261M | $236M |
| Q1 2025 | $269M | $242M |
| Q2 2025 | $262M | $235M |
| Q3 2025 | $267M | $238M |
| Q4 2025 | $273M | $242M |
| Q1 2026 | $275M | $245M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $6.85M |
| Investor CRE | $19.7M |
| Multifamily | $5.58M |
| Construction | $11.6M |
| 1–4 family | $60.4M |
| C&I | $4.09M |
| Agriculture | $1.03M |
| Other | $4.18M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.18%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE11.13%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.48%30th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.57%58th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+1.04%29th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+7.09%60th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.45%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ14.45%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.12%95th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.18%56th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.06%90th 1.94%Observations 110
ROE
FDIC
NETINC + ROE11.13%52nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.67%Median 10.93%90th 19.22%Observations 110
NIM
FDIC
NIM + NIMY3.48%26th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 3.91%90th 4.75%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.57%54th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.24%Median 64.73%90th 82.26%Observations 110
Deposits YoY
FDIC
DEP+1.04%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.56%Median +4.67%90th +17.42%Observations 110
Loans YoY
FDIC
LNLSNET+7.09%45th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +8.14%90th +17.99%Observations 110
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.45%49th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 1.63%Observations 110
Leverage
FDIC
RBC1AAJ14.45%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.54%90th 14.36%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.12%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.65%90th 3.27%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 81%Median 202%90th 319%Observations 74
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.18%71st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.43%Median 0.87%90th 1.80%Observations 29
ROE
FDIC
NETINC + ROE11.13%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.81%Median 9.12%90th 18.22%Observations 29
NIM
FDIC
NIM + NIMY3.48%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 3.90%90th 4.93%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.57%68th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.01%Median 68.95%90th 82.43%Observations 29
Deposits YoY
FDIC
DEP+1.04%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.06%Median +1.87%90th +12.30%Observations 29
Loans YoY
FDIC
LNLSNET+7.09%54th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.42%Median +7.01%90th +17.80%Observations 29
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.45%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.45%90th 1.69%Observations 29
Leverage
FDIC
RBC1AAJ14.45%93rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.77%Median 10.65%90th 14.39%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.12%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.84%Median 2.36%90th 3.21%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 77%Median 125%90th 284%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Rutledge, TN
FDIC
OFFDOMOpen the Tennessee dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data