Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Grainger County vs FSNB, National Association
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 | FSNB, National Association |
|---|---|---|
| TellerScore | 85 | 96 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 88th | 99th |
| Total assets | $273.2M | $478.3M |
| Deposits / shares | $242.4M | $369.7M |
| Capital ratio | 14.22% | 17.51% (stronger) |
| Problem loans | 0.44% | 0.36% (stronger) |
| Net charge-offs | 0.16% (stronger) | 1.02% |
| Return on assets | 1.11% | 3.46% (stronger) |
| Loans ÷ deposits | 47.1% | 39.2% (stronger) |
| Uninsured deposits | 22.7% | 8.2% (stronger) |
| Offices | 5 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
FSNB, National Association has the higher TellerScore (96 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Grainger County leads on 1 and FSNB, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.