Citizens Bank and Trust Company of Grainger County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank and Trust Company of Grainger County of Rutledge, TN against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.25% | -0.16% | 20th bottom |
| ROAE | 11.87% | 13.24% | -1.37% | 33rd below |
| Net Interest Margin | 3.57% | 3.95% | -0.38% | 20th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 61.00% | 61.22% | -0.22% | 34th below |
| PPNR / Avg Assets | 1.27% | — | — | 18th bottom |
| Yield on Earning Assets | 4.25% | 5.68% | -1.43% | 3rd bottom |
| Cost of Funds | 0.77% | 1.88% | -1.11% | 90th top |
| Net Interest Spread | 3.06% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.41% | 0.94% | -0.53% | 44th below |
| NPA / Total Assets | 0.17% | — | — | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 25th below |
| ACL / Total Loans | 1.08% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 265.33% | — | — | 50th above |
| Texas Ratio | 1.84% | 7.40% | -5.56% | 52nd above |
| Provision / NCO | 74.00% | — | — | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.37% | 11.73% | +2.64% | 72nd above |
| Equity / Assets | 9.01% | 10.96% | -1.95% | 25th below |
| TCE / Tangible Assets | 9.01% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.41% | 80.60% | -32.19% | 85th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.97% | 86.92% | +1.05% | 38th below |
| Wholesale Funding Ratio | 2.21% | — | — | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.67% | — | — | 34th below |
| Loan Growth (Y/Y) | 4.34% | — | — | 44th below |
| Deposit Growth (Y/Y) | 1.02% | — | — | 30th below |
See Citizens Bank and Trust Company of Grainger County's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank and Trust Company of Grainger County, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank and Trust Company of Grainger County profile, how to read a UBPR, or how this data updates.