Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Grainger County vs Citizens National Bank
Bank
Citizens Bank and Trust Company of Grainger County
Rutledge, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank and Trust Company of Grainger County | Citizens National Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 82 |
| Capital cushion | 92 (stronger) | 62 |
| Loan quality | 85 | 99 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 92 (stronger) | 58 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 88th | 93rd |
| Total assets | $273.2M | $2.0B |
| Deposits / shares | $242.4M | $1.7B |
| Capital ratio | 14.22% (stronger) | 11.17% |
| Problem loans | 0.44% | 0.04% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.11% | 2.00% (stronger) |
| Loans ÷ deposits | 47.1% (stronger) | 75.5% |
| Uninsured deposits | 22.7% (stronger) | 38.8% |
| Offices | 5 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 7.1% |
Citizens Bank and Trust Company of Grainger County has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Grainger County leads on 4 and Citizens National Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.