Headquarters

8335 Rutledge Pike Rutledge, TN 37861 watch all branch places →

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remarkable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.55% 0.75% →
2-Year CD 0.80% 0.80% →
5-Year CD N.A.

You are watching: Citizen bank and trust of grainger county

1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

General financial institution Information

citizens Bank and also Trust firm of Grainger county is an FDIC insured institution located in Rutledge, TN. That was started in 1919 and also has about $0.27 billion in assets.Customers have the right to open one account at one of its 5 branches.


FDIC Insured Yes
FDIC Certificate # 10317
Date developed 1919
Assets $ 267.52 million
Loans $ 66.20 million
Deposits $ 225.09 million
Capital $ 40.14 million

For a more detailed analysis of citizen Bank and Trust company of Grainger County"s jae won condition and a description of what these numbers mean, you re welcome visit the FinancialDetails section.


There are right now no loan rates easily accessible for citizens Bank and also Trust agency of Grainger county

Please call the bank for questions about their loan products.In the meantime you may wish to take into consideration these offerings:


LenderAPRRate (%)MonthlyPaymentLearn an ext
NMLS ID: 3030 3.746% 3.625%1.00 points$3,750 fees$1,141 Learn an ext
*
NMLS ID: 3030
3.610% 3.500%0.88 points$3,438 fees$1,123 Learn an ext
*
NMLS ID: 1429243
2.760% 2.690%0.88 points$2,298 fees$1,013 Learn an ext
NMLS ID: 3030 3.746% 3.625%1.00 points$3,750 fees$1,141 Learn much more

LenderAPR (%)? MonthlyPayment?Learn more
*
Flagstar Bank-Heloc view Table
4.740 % $0 Learn an ext more Info
. Variable price as low together 3.99% APR. Flexibility to borrower as needed. Make house improvements, consolidate debts, do purchases and also more. Powered by the person Interest Rate.
*
3rd Federal Savings and Loan view Table
2.240 % $0 Learn more much more Info
Conditions… variable APR of element minus 1.01% in every states. Min loan quantity $10,000. Max loan lot $200,000. 30-year term. Yearly fee waived because that the first year. See problems for guarantee at thirdfederal.com. 3rd Federal price are frequently 20% reduced than various other leaders guaranteed Lowest rate No closeup of the door costs, prepayment penalties, or minimum draw requirements 10 year draw period

See much more Home Equity prices →


Note come Citizens Bank and also Trust firm of Grainger County to upload and update her bank"s rates please register.It is free to it is registered and add rates.


Branches


citizen Bank and Trust firm of Grainger ar branches and also locations in her neighborhood. Entry a various zip password to discover branches and locations for any type of neighborhood in the joined States.


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Climate Initiatives


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Financial Details


citizens Bank and also Trust firm of Grainger County ratio Analysis

The complying with ratios and data are available to assist you much better understand the financial condition of citizen Bank and also Trust agency of Grainger County. The data is detailed by the FDIC. Every banks noted on betterworld2016.org are FDIC-insured. No depositor has ever lost shop that have actually been within the FDIC insurance allowance limits.

Texas RatioCitizens Bank and also Trust agency of Grainger CountyU.S. Financial institution Average
3.9%4.78%

The Texas proportion compares the bank’s non performing assets (non-performing loans and also real legacy owned)with the tangible usual equity and its loan ns reserves.A reduced Texas ratio indicates much better coverage of trouble loans.The closer the Texas proportion is to 1-to-1 or 100%, the much less capital and reserves a bankhas come absorb the loan losses.

As of June 30, 2021,Citizens Bank and also Trust agency of Grainger County had $1,578,000 in non-current loans and also $16,000 in owned genuine estate.To cover this potential accident it had actually $40,136,000 in equity and $696,000 in loan loss reserves.That offers it a Texas proportion of 3.9%.

Return top top EquityCitizens Bank and Trust company of Grainger CountyU.S. Bank Average
6.51%11.29%

Citizens Bank and Trust firm of Grainger County has actually a Return on same of 6.51% matches the betterworld2016.org mean of 11.29%.Return top top equity actions how properly a financial institution is make money from its capital. A bank with a repetitively high ROE have the right to be considered well run.A bank with a repetitively low ROE have the right to be considered poorly run.

CapitalizationCitizens Bank and also Trust company of Grainger CountyU.S. Financial institution Average
15%11.72%

Citizens Bank and Trust firm of Grainger County has actually a Capitalization the 15% versus the betterworld2016.org typical of 11.72.Capitalization measures how much equity capital a bank has come underpin loans and other heritage on the balance sheet.The higher the capitalization number the much more secure a financial institution is considered.


As that June 30, 2021,Citizens Bank and Trust agency of Grainger County had assets that $267,524,000, loans of $66,199,000, and deposits of $225,094,000.Long-term rises in deposits mirrors a bank"s capacity to raise accumulation to thrive its loans and also assets.Loan and also asset growth may rise or fall depending upon a bank"s strategy for growth.Sharp rises and also falls in assets, deposits, and also loans have the right to be problematic, describe a loosening of lending standards, or gaue won distress leading to diminished lending.A big change in this figured can additionally be native a bank acquisition or merger.


assets
Cash & Balances due indigenous depository institutions $ 8.83 million
Interest-bearing balances $ 4.66 million
total securities $ 182.70 million
federal funds sold and also reverse repurchase N.A.
net loans and leases $ 66.20 million
Loan ns allowance $ 0.70 million
trading account assets N.A.
financial institution premises and fixed assets N.A.
various other real heritage owned $ 0.02 million
Goodwill and also other intangibles N.A.
All various other assets $ 7.09 million
full Assets $ 227.39 million

legal responsibility
total deposits $ 225.09 million
Interest-bearing deposits $ 152.75 million
Deposits organized in domestic offices $ 225.09 million
% insured (estimated) 83.71%
commonwealth funds purchased and also repurchase agreements N.A.
trade liabilities N.A.
Other obtained funds $ 0.02 million
Subordinated debt N.A.
All various other liabilities $ 2.28 million
complete Liabilities $ 227.39 million
Shareholders’ Equity $ 40.14 million

an overview Income declare June 30, 2021
INCOME and also EXPENSES
complete Interest Income $ 3.47 million
total Interest Expense $ 0.23 million
Net interest income $ 3.24 million
Provision because that loan and also lease losses N.A.
full non interest income $ 0.53 million
Total non attention expense $ 2.45 million
Pre-tax Net operation Income $ 1.37 million

Bank Loan profile % loans - Divides the amount of loan a financial institution has top top its balance sheet for each group divided through the total loans for the bank. Note: Percentages might not sum to 100% because of rounding and dual categorization of some loan types. % to compare to various other banksCompares the % loan to the mean percent because that the bank’s state. A High rating method the bank has a significantly greater % Loans 보다 other banks in that is state and may specialization in the loan category.Banks frequently sell certain types of loans, residential mortgage, auto loans, credit transaction card loans, so this numbers space not an accurate measure that a bank’s lending, however serve as one indicator that a bank’s previous loan history." data-tooltip aria-haspopup="true" class="has-tip">?


The optimal three loan types in citizens Bank and Trust agency of Grainger County’s loan portfolio space 1-4 family Residential Loans, Commercial genuine Estate, and small Business Loans.

contrasted to other banks, citizens Bank and also Trust firm of Grainger County’s loan portfolio does not present any specific loan specialty.

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Note: Percentages may not sum to 100% because of rounding and also doublecategorization of part loan types. All data native the FDIC. extr information around this table.

% Loans%Comparison come OtherBanksLowMedHigh
1-4 household Residential Loans42.54
MultifamilyMortgages2.16
Credit map Loans0.00
Consumer Auto Loans1.57
Small company Loans14.59
Construction and advance Loans14.57
Commercial real Estate26.87
Commercial and Industrial Loans6.71
Farm Loans0.01

Frequently request Questions about Citizens Bank and Trust firm Of Grainger County