CITIZENS OF GRAINGER CNTY CORP is the bank holding company. CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CITIZENS OF GRAINGER CNTY CORP

Legal name: CITIZENS OF GRAINGER COUNTY CORPORATION

1 active bank · $275M combined assets

RSSD ID: 1085992 (FFIEC NIC)

Combined Assets

$275M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTYRUTLEDGE, TNSatisfactory$275MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$275M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$245M

Net Income

$807K

ROA (avg)

1.18%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

86.96%

Denial Rate

4.35%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY	RUTLEDGE, TN	FDIC	$275M	100.0%	Satisfactory	May 2020

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.