Citizens Bank and Trust Company of Grainger County (FDIC certificate #10317) is based in Rutledge, Tennessee. Its Q2 2026 call report shows $273.2M in total assets and $242.4M in deposits and 5 offices.
Based on its Q2 2026 filing, Citizens Bank and Trust Company of Grainger County scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 12th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is earnings (64/100; 1.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 85).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 87 |
| Q4 2024 | 84 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 86 |
| Q4 2025 | 85 |
| Q1 2026 | 87 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.64% |
| Q3 2024 | 14.16% |
| Q4 2024 | 14.17% |
| Q1 2025 | 14.22% |
| Q2 2025 | 14.15% |
| Q3 2025 | 14.55% |
| Q4 2025 | 14.33% |
| Q1 2026 | 14.45% |
| Q2 2026 | 14.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $273.2M | 14.22% | 0.44% | 1.11% | 47.1% |
| Q1 2026 | 87 | $274.6M | 14.45% | 0.45% | 1.18% | 45.8% |
| Q4 2025 | 85 | $272.6M | 14.33% | 0.49% | 1.13% | 46.3% |
| Q3 2025 | 86 | $267.3M | 14.55% | 0.54% | 1.14% | 46.3% |
| Q2 2025 | 84 | $262.4M | 14.15% | 0.55% | 1.06% | 46.3% |
| Q1 2025 | 84 | $268.7M | 14.22% | 0.61% | 1.11% | 43.2% |
| Q4 2024 | 84 | $261.1M | 14.17% | 0.64% | 1.22% | 43.0% |
| Q3 2024 | 87 | $263.3M | 14.16% | 0.40% | 1.20% | 44.1% |
| Q2 2024 | 82 | $265.3M | 13.64% | 0.65% | 1.17% | 42.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Newport Federal BankBank Newport, TN | 68 out of 100, Moderate | $276.8M | 10.4% | 0.69% | vs |
| Sonata BankBank Brentwood, TN | 57 out of 100, Moderate | $281.5M | 10.1% | 0.52% | vs |
| Bank of DicksonBank Dickson, TN | 78 out of 100, Strong | $291.0M | 11.5% | 0.00% | vs |
| Mountain Valley BankBank Dunlap, TN | 62 out of 100, Moderate | $254.6M | 10.0% | 0.54% | vs |
| Bank of Perry CountyBank Lobelville, TN | 71 out of 100, Strong | $253.1M | 9.1% | 0.38% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |
Deposit insurance
Is my money safe at Citizens Bank and Trust Company of Grainger County?
Yes. Citizens Bank and Trust Company of Grainger County is an FDIC-insured institution (FDIC certificate #10317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.7% of deposits ($54.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Citizens Bank and Trust Company of Grainger County lists 5 offices in 4 cities. Most locations:
- Rutledge, TN (2)
- Bean Station, TN (1)
- Blaine, TN (1)
- Washburn, TN (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank and Trust Company of Grainger County reported 70 home-loan applications under HMDA (LEI 549300YVF0872060HC60): 60 originated ($15,850,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Bank and Trust Company of Grainger County
- Former names
- Citizens Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 10317
- RSSD ID
- 715630
- Primary regulator
- FDIC
- Holding company
- Citizens of Grainger Cnty Corp
- Established
- November 1, 1919
- Headquarters
- 8335 Rutledge Pike, Rutledge, TN 37861
- Website
- www.cbtgrainger.com
- Employees
- 50
Quick answers
Citizens Bank and Trust Company of Grainger County: common questions
Is Citizens Bank and Trust Company of Grainger County FDIC insured?
Yes. Citizens Bank and Trust Company of Grainger County is an FDIC-insured institution (FDIC certificate #10317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank and Trust Company of Grainger County's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank and Trust Company of Grainger County ever failed?
There is no failure record for FDIC certificate #10317 in the FDIC failed bank list.
How many branches does Citizens Bank and Trust Company of Grainger County have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rutledge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New South Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $90.3M | 14.9% | 0.11% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First Choice Community Credit UnionCredit union Knoxville, TN | 85 out of 100, Very strong | $48.9M | 16.4% | 1.02% | vs |
| Citizens National BankBank Sevierville, TN | 82 out of 100, Strong | $2.0B | 11.2% | 0.04% | vs |
| Enrichment Federal Credit UnionCredit union Oak Ridge, TN | 80 out of 100, Strong | $984.4M | 12.2% | 0.37% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |