Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Grainger County vs New South Credit Union
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 | New South Credit Union |
|---|---|---|
| TellerScore | 85 | 96 (stronger) |
| Capital cushion | 92 | 99 (stronger) |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 64 | 85 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 88th | 97th |
| Total assets | $273.2M | $90.3M |
| Deposits / shares | $242.4M | $76.1M |
| Capital ratio | 14.22% | 14.91% (stronger) |
| Problem loans | 0.44% | 0.11% (stronger) |
| Net charge-offs | 0.16% | 0.06% (stronger) |
| Return on assets | 1.11% | 1.64% (stronger) |
| Loans ÷ deposits | 47.1% | 43.9% (stronger) |
| Uninsured deposits | 22.7% | 9.1% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
New South Credit Union 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 0 and New South Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.