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Citizens Bank and Trust Company of Grainger County

$100M-$1B Specialty: Other TN FDIC cert 10317

Rutledge, TN

5 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Citizens Bank and Trust Company of Grainger County has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 3.72% below tier average
  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.09% below tier average
  • - Net Interest Margin 0.45% below tier average
Get updates when Citizens Bank and Trust Company of Grainger County releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $274.6M
+2.2% YoY +0.7% QoQ
-$111.5M $386.1M
+0.5% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
41%
Total Loans ? $112.2M
+7.1% YoY +0.1% QoQ
-$143.6M $255.7M
+1.1% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
23%
Total Deposits ? $244.8M
+1.0% YoY +1.1% QoQ
-$83.2M $328.0M
+0.1% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
44%
Return on Assets ? 1.18%
+6.0% YoY +4.4% QoQ
-0.09% 1.27%
+12.9% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
48%
Net Interest Margin ? 3.48%
+1.5% YoY -1.8% QoQ
-0.45% 3.93%
+6.0% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
30%
Efficiency Ratio ? 61.57%
-1.2% YoY -0.8% QoQ
-3.72% 65.29%
-4.5% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
55%
Delinquency Rate ? 0.46%
-25.9% YoY -7.3% QoQ
-0.43% 0.89%
+18.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
48%
Loan-to-Deposit Ratio ? 45.83%
+6.0% YoY -1.0% QoQ
-30.81% 76.64%
+0.8% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
Top 6.8% in tier
Non-Interest-Bearing Deposit Share ? 34.68%
-0.3% YoY +2.7% QoQ
+12.66% 22.02%
-1.0% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
Top 10.4% in tier
Nonperforming Asset Ratio ? 0.19%
-22.3% YoY -7.9% QoQ
-0.45% 0.64%
+19.7% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
61%
Tier 1 Capital Ratio ? 14.45%
+1.6% YoY +0.9% QoQ
-1.38% 15.83%
+1.5% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.09%
-4.9% YoY -76.3% QoQ
-0.19% 0.28%
+9.3% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

181
Loan-to-Deposit Ratio
liquidity
Value: 45.83%
Peer Median: 76.64%
#181 of 2664 Top 6.8% in $100M-$1B
277
Non-Interest-Bearing Deposit Share
funding
Value: 34.68%
Peer Median: 22.02%
#277 of 2664 Top 10.4% in $100M-$1B

Top Weaknesses (1 metrics)

2039
Total Loans
size
Value: $112.16M
Peer Median: $255.72M
#2039 of 2664 Bottom 23.5% in $100M-$1B
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