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BDI
CB

Citizens Bank and Trust Company of Grainger County

Rutledge, TennesseeFDIC Cert #10317

STATEEstablished 19195 branches

Holding company: CITIZENS OF GRAINGER CNTY CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.27%
−45.8%y/y
Peer standing67th percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.45%
−25.9%y/y
Peer standing39th percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
0.45%
−25.9%y/y
Peer standing47th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.19%
−22.3%y/y
Peer standing58th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$512K
−20.6%y/y
Peer standing51st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.18%
+621.8%y/y
Peer standing10th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
$51K
+666.7%y/y
Peer standing11th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.09%
−1.5%y/y
Percentile by value38th percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$307K
−42.0%y/y
Peer standing65th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$512K
−20.6%y/y
Peer standing40th percentile
Peer standing in asset:100m_300m
FDICNAASSET