Citizens Bank and Trust Company of Grainger County: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 4.19 percentage points lower than in Q2 2026, at 80.66%. On loan-to-deposit ratio, Citizens Bank and Trust Company of Grainger County is 3rd from the bottom among 109 Tennessee banks, 48.41% (Q3 2026). Citizens Bank and Trust Company of Grainger County reported 48.41% on loan-to-deposit ratio for Q3 2026, 32.43 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $116.3M |
| Net loans and leases | $115.0M |
| Loans held for sale | $0 |
| Loans to total assets | 42.77% |
| Loan-to-deposit ratio | 48.41% |
| Net loans to equity capital | 4.70% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.15% |
| Multifamily (5+ residential) | 5.65% |
| Commercial and industrial | 3.32% |
| Consumer | 4.12% |
| Credit cards | 0.00% |
| Farm | 0.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.66% |
| Construction concentration (Tier 1 capital + allowance) | 24.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.19% |
| Interest income on loans | $1.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $91.8M | $234.8M | 20.34% | 4.54% | 4.26% |
| Q1 2024 | $97.7M | $235.4M | 24.65% | 4.14% | 3.91% |
| Q2 2024 | $100.8M | $235.1M | 27.54% | 3.96% | 4.20% |
| Q3 2024 | $102.8M | $230.6M | 26.86% | 4.10% | 3.81% |
| Q4 2024 | $102.9M | $236.4M | 25.64% | 4.03% | 3.89% |
| Q1 2025 | $105.9M | $242.2M | 24.97% | 4.13% | 3.67% |
| Q2 2025 | $109.9M | $234.7M | 24.07% | 4.17% | 3.90% |
| Q3 2025 | $111.4M | $237.7M | 23.54% | 3.82% | 3.85% |
| Q4 2025 | $113.3M | $242.1M | 22.69% | 3.65% | 3.70% |
| Q1 2026 | $113.4M | $244.8M | 23.38% | 3.60% | 3.58% |
| Q2 2026 | $115.5M | $242.4M | 22.17% | 3.45% | 3.96% |
| Q3 2026 | $116.3M | $240.1M | 21.15% | 3.32% | 4.12% |
Citizens Bank and Trust Company of Grainger County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company of Grainger County, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust Company of Grainger County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10317) · FFIEC NIC profile (RSSD 715630)