Citizens Bank and Trust Company of Grainger County
Also written as CB&T
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust Company of Grainger County is an FDIC-insured commercial bank headquartered in Rutledge, TN, supervised by the FDIC, with $273.2M in total assets at Q2 2026, up 4.1% from Q2 2025, the 78th largest of 109 banks headquartered in Tennessee. It was established in 1919 and holds FDIC certificate 10317. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10317
- Headquarters
- Rutledge, TN
- Established
- 1919
- Total assets, Q2 2026
- $273.2M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 14.22%
- Domestic offices
- 5 · Citizens Bank and Trust Company of Grainger County branches FDIC institution directory, current count
- Routing number
- 064206426
- Safety and soundness
- Is Citizens Bank and Trust Company of Grainger County safe?
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank and Trust Company of Grainger County Q3 2026 call report, filed October 6, 2026 (preliminary)
- Holding company
- CITIZENS OF GRAINGER COUNTY CORPORATION
- Asset rank in state
- 78th of 109 in Tennessee
Citizens Bank and Trust Company of Grainger County, based in Rutledge, Tennessee, reported $273 million in assets at June 30, 2026, up 4.1% from a year earlier. It pays an average of 0.74% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 14.22% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $16 million equal 39% of Tier 1 capital, down from 53% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.44% of loans, down from 0.55% a year earlier.
As of June 30, 2026, Citizens Bank and Trust Company of Grainger County reported a return on assets of 0.98%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 1.63%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Citizens Bank and Trust Company of Grainger County is the 78th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $273.2M, loans rose 1.8% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.7% of total loans, followed by non-owner-occupied commercial real estate loans at 16.0%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TN; its Rutledge 2 offices book 51% of its branch deposits. On its Q2 2026 call report, Citizens Bank and Trust Company of Grainger County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8335 Rutledge Pike, Rutledge, TN 37861
- County
- Grainger
- Metro Area
- Knoxville, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1919
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $242.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $93K
- Average total assets
- $290.8M
- Average total loans
- $113.9M
- Average interest-bearing deposits
- $158.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10317
- Fed RSSD
- 715630
- Website
- www.cbtgrainger.com →
- Parent Holding Company
- CITIZENS OF GRAINGER COUNTY CORPORATION (RSSD 1085992)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank and Trust Company of Grainger County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank and Trust Company of Grainger County's total assets ran between $261.1M (Q4 2024) and $274.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$273.2M total assets against $262.4M; $243.6M total liabilities against $237.8M.
$114.2M net loans and leases against $108.7M; $242.4M total deposits against $234.7M.
$136.5M securities against $127.9M; $8.1M cash and balances due against $10.4M.
$2.8M total interest income against $2.6M; $449K total interest expense against $463K.
$2.3M net interest income against $2.2M.
$239K total noninterest income against $264K; $1.6M total noninterest expense against $1.6M.
$120K provision for credit losses against $92K.
$712K net income against $659K.
0.98% return on assets against 0.92%; 3.57% net interest margin against 3.43%.
14.22% tier 1 leverage ratio against 14.15%.
Inside the full Citizens Bank and Trust Company of Grainger County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank and Trust Company of Grainger County rankings
Its closest position to the top of a national ranking is 1,740 of 3,606, for efficiency ratio; its furthest is 2,559 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q2 2025) to 1.23% (Q3 2025) and its net interest margin ran from 3.32% (Q1 2025) to 3.58% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 0.98% | 0.44% | 1.63% | 3.57% |
| Q1 2026 | 14.45% | 1.12% | 0.45% | 1.71% | 3.45% |
| Q4 2025 | 14.33% | 1.04% | 0.49% | 1.80% | 3.58% |
| Q3 2025 | 14.55% | 1.23% | 0.54% | 2.03% | 3.51% |
| Q2 2025 | 14.15% | 0.92% | 0.55% | 2.35% | 3.43% |
| Q1 2025 | 14.22% | 1.03% | 0.61% | 2.45% | 3.32% |
| Q4 2024 | 14.17% | 1.18% | 0.64% | 2.68% | 3.43% |
| Q3 2024 | 14.16% | 1.19% | 0.40% | 1.45% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank and Trust Company of Grainger County (main office) | Rutledge , TN | 37861 | $112.9M |
| Bean Station Branch | Bean Station , TN | 37708 | $62.4M |
| Blaine Branch | Blaine , TN | 37709 | $41.3M |
| Liberty Hill Branch | Washburn , TN | 37888 | $15.2M |
| Cherokee Branch | Rutledge , TN | 37861 | $10.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 101 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank and Trust Company of Grainger County
What are Citizens Bank and Trust Company of Grainger County's total assets?
As of the Q2 2026 filing, Citizens Bank and Trust Company of Grainger County reported total assets of $273.2 million in its FFIEC call report.
Where is Citizens Bank and Trust Company of Grainger County headquartered?
It is headquartered in Rutledge, TN, United States.
When was Citizens Bank and Trust Company of Grainger County founded?
It was established in 1919, per the FDIC institution directory.
Is Citizens Bank and Trust Company of Grainger County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank and Trust Company of Grainger County?
Citizens Bank and Trust Company of Grainger County's primary federal regulator is the FDIC.
How many branches does Citizens Bank and Trust Company of Grainger County operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank and Trust Company of Grainger County's Texas Ratio?
Its Texas Ratio is 1.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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