Side-by-side · Q2 2026 data
Mountain Valley Bank vs Citizens Bank and Trust Company of Grainger County
Bank
Citizens Bank and Trust Company of Grainger County
Rutledge, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Mountain Valley Bank | Citizens Bank and Trust Company of Grainger County |
|---|---|---|
| TellerScore | 62 | 85 (stronger) |
| Capital cushion | 50 | 92 (stronger) |
| Loan quality | 82 | 85 (stronger) |
| Earnings | 40 | 64 (stronger) |
| Funding & liquidity | 60 | 92 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 22nd | 88th |
| Total assets | $254.6M | $273.2M |
| Deposits / shares | $198.9M | $242.4M |
| Capital ratio | 10.02% | 14.22% (stronger) |
| Problem loans | 0.54% | 0.44% (stronger) |
| Net charge-offs | 0.41% | 0.16% (stronger) |
| Return on assets | 0.51% | 1.11% (stronger) |
| Loans ÷ deposits | 100.7% | 47.1% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 22.7% |
| Offices | 4 | 5 |
| 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 62). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 1 and Citizens Bank and Trust Company of Grainger County on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.