BlastPoint's Banking Scorecard
Citizens Bank and Trust Company of Grainger County
Rutledge, TN
5 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +3.3% year over year ($242.4M on the books).
- Delinquency rate 0.44%.
- Return on assets 1.11%.
- Efficiency ratio 61.91% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank and Trust Company of Grainger County has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.96% above tier average
- + Efficiency Ratio 2.57% below tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$273.2M
+4.1% YoY
-0.5% QoQ
|
-$113.4M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$114.2M
+5.1% YoY
+1.8% QoQ
|
-$144.1M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$242.4M
+3.3% YoY
-1.0% QoQ
|
-$84.4M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.11%
+5.1% YoY
-5.8% QoQ
|
-0.21% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
3.55%
+1.8% YoY
+2.2% QoQ
|
-0.43% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
61.91%
-2.8% YoY
+0.6% QoQ
|
-2.57% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
0.44%
-21.0% YoY
-3.3% QoQ
|
-0.48% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
47.12%
+1.8% YoY
+2.8% QoQ
|
-30.83% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Top 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.99%
+0.6% YoY
+0.9% QoQ
|
+12.96% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 9.9% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-20.2% YoY
-1.1% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.22%
+0.5% YoY
-1.6% QoQ
|
-1.69% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.18%
-9.9% YoY
+99.4% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.0%
+0.2pp YoY +0.3pp QoQ |
+12.8pp | 22.1% | 18.8% | 22.2% | 90% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.5%
-0.7pp YoY -0.2pp QoQ |
-8.1pp | 11.6% | 10.9% | 12.5% | 12% |
| CRE |
37.9%
-1.5pp YoY -1.1pp QoQ |
-1.6pp | 39.5% | 42.4% | 41.4% | 48% |
| 1-4 Family |
54.3%
+2.5pp YoY +0.5pp QoQ |
+21.7pp | 32.6% | 39.8% | 31.3% | 86% |
| Consumer |
4.0%
+0.1pp YoY +0.4pp QoQ |
-0.1pp | 4.1% | 4.5% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
14.2%
+0.1pp YoY -0.2pp QoQ |
+2.1pp | 12.2% | 11.4% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
+3 (+6.4%) YoY +2 (+4.2%) QoQ |
-9 | 58 | 270 | 482 | 53% |
| Assets per Employee ($) |
$5.5M
-2.1% YoY -4.5% QoQ |
-$2.1M | $7.5M | $7.1M | $8.8M | 22% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 17 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 0.7% | 1.0% | 50% |
| Allowance Coverage |
2.51x
+20.9% YoY +4.4% QoQ |
-21.64x | 24.15x | 28.97x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
-1.1pp YoY -0.7pp QoQ |
-1.8pp | 12.2% | 10.9% | 11.6% | 39% |
| Cost of Funds (YTD) |
0.7%
-0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 2.0% | 1.7% | 4% |
| Net Income ($, YTD) |
$1.5M
+8.8% YoY — QoQ |
-$1.0M | $2.6M | $16.7M | $40.4M | 42% |
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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 (0)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.