Citizens Bank and Trust Company of Grainger County

Rutledge, TN

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	9.50
Capitalization Index	10.00
Liquidity Index	4.00
Profitability Index	4.70
Stability Index	7.30

Company Info	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	10317
Phone Number	(865) 828-5237
Website	www.cbtgrainger.com

Asset Quality	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.54%
5-Year Asset Growth	5.10%
5-Year Charge-Offs to Average Loans	-0.08%
Charge-Offs to Average Loans	-0.01%
Non-Performing Assets to Assets	0.35%
Non-Performing Loans to Capital	1.41%
Non-Performing Loans to Loans	0.83%

Balance Sheet	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
Total Assets	267.33M
Total Deposits	237.72M

Capital and Reserves	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
Capital	28.43M
Leverage Ratio	14.55
Loan Loss Reserves to Loans	1.12%
Risk-Based Capital Ratio	--

Liquidity	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	14.38%
Liquidity Ratio	22.16%

Profitability	Citizens Bank and Trust Company of Grainger County Rutledge, TN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.11%
Net Income	2.27M
Net Interest Spread	3.42%
Operating Profit to Average Assets	1.27%
Overhead Efficiency Ratio	61.87%
Return on Assets	1.06%
Return on Equity	12.00%