🏦Bank Scorer

CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY

RUTLEDGE, TN · Supervised by FDIC

Est. 1919FDIC #10,317RSSD: FDIC-10317
Part ofCITIZENS OF GRAINGER CNTY CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

8335 Rutledge Pike, RUTLEDGE, TN

County

Grainger County

Established

November 1, 1919

Total Assets

$275M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$275M

Total Deposits

$245M

Net Loans

$112M

Net Income

$807K

ROA

1.18%

ROE

11.13%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.35%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$235M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246986.96%4.35%
20236973.91%5.80%
20199171.43%16.48%
20189567.37%14.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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