Citizens Bank and Trust Company of Grainger County: how it compares with its peers
Against 46 TN banks with half to twice its assets, Citizens Bank and Trust Company of Grainger County's strongest measure in Q2 2026 is efficiency ratio (61.91% vs. a 66.86% peer median). Its weakest relative measure is net interest margin (3.55% vs. 4.06%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 0.96% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.06% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.91% | 66.86% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.2M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.12% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 61.91% is better than the 66.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Newport Federal Bank Newport, TN · $277M
- Sonata Bank Brentwood, TN · $282M
- Bank of Dickson Dickson, TN · $291M
- Mountain Valley Bank Dunlap, TN · $255M
- Bank of Perry County Lobelville, TN · $253M
- Bank of Crockett Bells, TN · $299M
Questions about Citizens Bank and Trust Company of Grainger County
How big is Citizens Bank and Trust Company of Grainger County?
Citizens Bank and Trust Company of Grainger County, established in 1919, is headquartered in Rutledge, TN. It reported $273M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Citizens Bank and Trust Company of Grainger County's return on assets?
1.11% annualized in Q2 2026, against a 0.96% median for 46 TN banks with half to twice its assets, ahead of 54% of them.
What is Citizens Bank and Trust Company of Grainger County's efficiency ratio?
61.91% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 66.86%, and lower is better.
Is Citizens Bank and Trust Company of Grainger County growing its loans?
Net loans grew 5.1% over the year to Q2 2026, while deposits grew 3.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.