Side-by-side · Q2 2026 data
Thread 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 | Thread Bank | Citizens Bank and Trust Company of Grainger County |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 48 | 92 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 43 | 64 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 63rd | 88th |
| Total assets | $1.1B | $273.2M |
| Deposits / shares | $1.0B | $242.4M |
| Capital ratio | 9.75% | 14.22% (stronger) |
| Problem loans | 0.18% (stronger) | 0.44% |
| Net charge-offs | 0.47% | 0.16% (stronger) |
| Return on assets | 0.58% | 1.11% (stronger) |
| Loans ÷ deposits | 41.6% (stronger) | 47.1% |
| Uninsured deposits | 11.0% (stronger) | 22.7% |
| Offices | 2 | 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 71). On the 7 directional measures above (where higher or lower is clearly better), Thread Bank leads on 3 and Citizens Bank and Trust Company of Grainger County on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.