Citizens Bank and Trust Company of Grainger County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 14.14 percentage points higher than in Q2 2026, at 265.33%. Within Tennessee, Citizens Bank and Trust Company of Grainger County is 55th of 109 on return on assets, 1.09% as of Q3 2026, below the middle of the field. Citizens Bank and Trust Company of Grainger County reported 1.09% on return on assets for Q3 2026, 0.16 points below the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.37% |
| Equity capital to assets | 9.01% |
| Tangible equity to tangible assets | 9.01% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.84% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 265.33% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.87% |
| Net interest margin | 3.57% |
| Efficiency ratio | 61.00% |
| Yield on earning assets | 4.25% |
| Cost of funds | 0.77% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 48.41% |
| Core deposits to total deposits | 87.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.36% |
| Securities to assets | 48.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 13.26% | 0.93% | 3.17% | 1.34% | -0.17% |
| Q1 2024 | 13.77% | 1.27% | 3.58% | 1.31% | -0.00% |
| Q2 2024 | 13.64% | 0.89% | 3.35% | 0.90% | 0.01% |
| Q3 2024 | 14.16% | 1.19% | 3.40% | 0.75% | 0.16% |
| Q4 2024 | 14.17% | 1.18% | 3.43% | 0.98% | 0.07% |
| Q1 2025 | 14.22% | 1.03% | 3.32% | 0.94% | -0.03% |
| Q2 2025 | 14.15% | 0.92% | 3.43% | 0.85% | 0.02% |
| Q3 2025 | 14.55% | 1.23% | 3.51% | 0.83% | -0.01% |
| Q4 2025 | 14.33% | 1.04% | 3.58% | 0.77% | -0.00% |
| Q1 2026 | 14.45% | 1.12% | 3.45% | 0.71% | 0.18% |
| Q2 2026 | 14.22% | 0.98% | 3.57% | 0.44% | 0.15% |
| Q3 2026 | 14.37% | 1.09% | 3.57% | 0.41% | 0.02% |
Citizens Bank and Trust Company of Grainger County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company of Grainger County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)