Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Grainger County vs Newport Federal 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 | Newport Federal Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 68 |
| Capital cushion | 92 (stronger) | 54 |
| Loan quality | 85 (stronger) | 77 |
| Earnings | 64 (stronger) | 53 |
| Funding & liquidity | 92 (stronger) | 86 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 88th | 37th |
| Total assets | $273.2M | $276.8M |
| Deposits / shares | $242.4M | $250.5M |
| Capital ratio | 14.22% (stronger) | 10.42% |
| Problem loans | 0.44% (stronger) | 0.69% |
| Net charge-offs | 0.16% | -0.00% (stronger) |
| Return on assets | 1.11% (stronger) | 0.83% |
| Loans ÷ deposits | 47.1% (stronger) | 52.1% |
| Uninsured deposits | 22.7% (stronger) | 27.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
Citizens Bank and Trust Company of Grainger County has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Grainger County leads on 6 and Newport Federal Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.