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Citizens Bank And Trust Company Of Grainger County
Rutledge, TN · FDIC Certificate #10317 · Chartered 11/0
Total assets
$273.21M
Total deposits
$242.38M
Total equity
$29.58M
Net loans
$114.22M
Branches (offices)
5
Net income (YTD)
$1.52M
Rank: #2,600 of 4,213 U.S. banks by assets · #78 of 109 in Tennessee. Assets changed 4.1% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 10.40% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 10.83% |
| Tier 1 leverage ratio | 14.22% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 47.1% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $106.31M | 93.1% | |
| Commercial & industrial | $3.98M | 3.5% | |
| Consumer / individual | $4.57M | 4.0% | |
| Construction & development | $11.52M | 10.1% | |
| Agricultural | $28.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $279.22M | $257.02M | $1.67M | $21.62M |
| Jun 2023 | $265.74M | $242.81M | $1.58M | $21.57M |
| Jun 2024 | $265.26M | $235.09M | $1.56M | $23.00M |
| Jun 2025 | $262.44M | $234.69M | $1.40M | $24.62M |
| Jun 2026 | $273.21M | $242.38M | $1.52M | $29.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $242.38M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $242.38M.
Similar-sized banks
Cayuga Lake National Bank ($273.74M) · Farmers And Merchants State Bank ($271.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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