Citizens B&T Grainger Cnty
Rutledge, Tennessee · FDIC Cert #10317
Citizens B&T Grainger Cnty is an FDIC-insured bank (Certificate #10317) with $265M in total assets and $235M in total deposits as of the Q2 2024 Call Report. Headquartered in Rutledge, Tennessee, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens B&T Grainger Cnty (FDIC cert 10317) is a community bank — $265M in total assets, $235M in deposits, serving the Rutledge, Tennessee area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 56.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.36% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Citizens B&T Grainger Cnty carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens B&T Grainger Cnty
- Total Assets
- $265M
- Total Deposits
- $235M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 56.56%
- Return on Assets
- 1.36%
- Headquarters
- Rutledge, Tennessee
- FDIC Certificate
- #10317
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens B&T Grainger Cnty holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Citizens B&T Grainger Cnty to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Citizens B&T Grainger Cnty shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Citizens B&T Grainger Cnty Compares
Citizens B&T Grainger Cnty’s Health Score of 59 is 11 points below the Tennessee state average of 70 across 95 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.36% is in line with or above the national ROA benchmark of ~1.1%. Among 1584 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Citizens B&T Grainger Cnty is 11 points below the portfolio average of 70.
Frequently Asked Questions
Citizens B&T Grainger Cnty has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens B&T Grainger Cnty's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.65% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens B&T Grainger Cnty is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10317). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens B&T Grainger Cnty holds $265M in total assets and $235M in total deposits. It is headquartered in Rutledge, Tennessee (FDIC Certificate #10317).
Citizens B&T Grainger Cnty has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 1.36%.
Yes. Citizens B&T Grainger Cnty is FDIC-insured (Certificate #10317). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens B&T Grainger Cnty's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.