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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Rutledge, TN · FDIC certificate #10317
CITIZENS B&T GRAINGER CNTY is an FDIC-insured institution based in Rutledge, TN (FDIC certificate #10317). In its Q3 2026 Call Report it reported total assets of $272M, total deposits of $240M and net loans of $115M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS B&T GRAINGER CNTY has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $275M in Q1 2026 and were lowest at $272M in Q3 2026.
Total deposits were highest at $245M in Q1 2026 and lowest at $240M in Q3 2026.
Over the whole period total assets fell 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $272M | $240M | $115M | 1.13% | 11.04% | 3.60% |
| Q2 2026 | $273M | $242M | $114M | 1.11% | 10.40% | 3.55% |
| Q1 2026 | $275M | $245M | $112M | 1.18% | 11.13% | 3.48% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.1M | $11.3M | -$3.1M | -27.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $136.5M | $136.5M | -$64K | -0.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $114.2M | $112.2M | +$2.1M | +1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $2.3M | -$40K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.1M | $12.3M | -$250K | -2.0% |
| Total assets | $273.2M | $274.6M | -$1.4M | -0.5% |
| Liabilities | ||||
| Total deposits | $242.4M | $244.8M | -$2.4M | -1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$73K | +6.2% |
| Total liabilities | $243.6M | $245.9M | -$2.3M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $400K | $400K | $0K | 0.0% |
| Retained earnings | $40.6M | $41.0M | -$409K | -1.0% |
| Accumulated other comprehensive income | -$11.8M | -$13.1M | +$1.3M | +9.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.6M | $28.7M | +$889K | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $504K | $512K | -$8K | -1.6% |
| Adjusted nonperforming assets | $504K | $512K | -$8K | -1.6% |
| Tangible equity plus allowance | $30.8M | $29.9M | +$923K | +3.1% |
| Texas ratio (gross) | 1.63% | 1.71% | -0.08 pts | See points |
| Texas ratio (adjusted) | 1.63% | 1.71% | -0.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.63% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.22% | 14.45% | -0.23 pts | See points |
| Construction and land loans to total capital | 27.02% | 27.07% | -0.06 pts | See points |
| Commercial real estate to total capital | 84.85% | 85.75% | -0.90 pts | See points |
| Dividend payout, year to date | 73.73% | 0.00% | +73.73 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -38.58% | -42.41% | +3.83 pts | See points |
| Liquidity | ||||
| Core deposits | $208.9M | $209.3M | -$377K | -0.2% |
| Non-core funding | $33.4M | $35.4M | -$2.0M | -5.6% |
| Loans to core deposits | 55.27% | 54.17% | +1.10 pts | See points |
| Loans to deposits | 47.64% | 46.33% | +1.31 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 66.77% | 66.73% | +0.04 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $33.4M | $35.4M | -$2.0M | -5.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $947K | +$964K | +101.8% |
| Earnings before provision, single quarter | $964K | $947K | +$17K | +1.8% |
| Provision for credit losses, year to date | $92K | -$28K | +$120K | +428.6% |
| Yield and cost | ||||
| Yield on loans and leases | 6.19% | 6.11% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 4.16% | 3.49% | +0.67 pts | See points |
| Total interest income to average assets | 3.80% | 3.69% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.46% | 0.65% | -0.18 pts | See points |
| Cost of savings and money market deposits | 0.23% | 0.24% | -0.01 pts | See points |
| Cost of time deposits | 2.76% | 2.75% | +0.00 pts | See points |
| Total interest expense to average assets | 0.62% | 0.62% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $272M | $240M | $115M | 1.13% | 11.04% | 3.60% |
| 2026-06-30 | $273M | $242M | $114M | 1.11% | 10.40% | 3.55% |
| 2026-03-31 | $275M | $245M | $112M | 1.18% | 11.13% | 3.48% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $234.7M | 0.10% | 104 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.