CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY

RUTLEDGE, TN | Small | Est. Nov. 1, 1919, midnight | FDIC #10317 | RSSD #715630 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY is asn small FDIC-insured commercial bank headquartered in RUTLEDGE, TN, established in Nov. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $273M and total deposits of $242M. Profitability stands at 1.10% ROA and 10.28% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 10.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 1.80%. FDIC Certificate #10317.

Assets

$273M

Deposits

$242M

Loans

$113M

Equity

$29M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 10.28%
Net Interest Margin (NIM) 3.66%
Yield on Assets 4.35%
Cost of Funds 0.71%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.80%
NPA Ratio 0.20%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 10.76%
Tier 1 Capital 10.76%
Total Capital Ratio 11.30%
Leverage Ratio 14.33%
Loan-to-Deposit 46.81%

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