TN lenders / Community Bank
Citizens Bank and Trust Company of Grainger County
Community Bank · Rutledge, TN · Citizens Of Grainger Cnty Corp
- Total assets
- $274.6M
- CRE loan book
- $43.7M
- QoQ CRE growth
- 0.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.78% as of Q1 2026 — TX bank median 4.87% (0.92pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.78% | 6.02% |
| Q4 2025 | 6.04% | 6.29% |
| Q3 2025 | 5.87% | 6.13% |
| Q2 2025 | 5.85% | 6.16% |
| Q1 2025 | 5.72% | 6.01% |
| Q4 2024 | 6.11% | 6.34% |
| Q3 2024 | 5.95% | 6.22% |
| Q2 2024 | 5.69% | 5.99% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $43.7M | $11.6M | $5.6M | 86% | $0 |
| Q4 2025 | $43.4M | $12.1M | $5.6M | 59% | $0 |
| Q3 2025 | $44.3M | $14.0M | $4.1M | 61% | $1,000 |
| Q2 2025 | $42.8M | $14.8M | $1.6M | 59% | $1,000 |
| Q1 2025 | $41.8M | $13.7M | $1.6M | 57% | $2,000 |
| Q4 2024 | $41.9M | $13.9M | $1.6M | 57% | $3,000 |
| Q3 2024 | $43.3M | $14.1M | $1.7M | 60% | $3,000 |
| Q2 2024 | $43.4M | $14.5M | $1.1M | 62% | $30,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Horatio State BankCommunity Bank · Horatio · $43.7M CRE book
- Farmers BankCommunity Bank · Greenwood · $43.8M CRE book
- First National Bank of HerefordCommunity Bank · Hereford · $44.2M CRE book
- United Community BankCommunity Bank · Milford · $43.1M CRE book
- Lake Central BankCommunity Bank · Annandale · $43.1M CRE book
See all alternatives to Citizens Bank and Trust Company of Grainger County →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.