Citizens Bank And Trust Company Of Grainger County vs Tennessee Valley
Comparing a Bank in Rutledge, TN with a Credit Union in Chattanooga, TN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Citizens Bank And Trust Company Of Grainger County ↗ Bank · Rutledge, TN · Est. 1919 | Tennessee Valley ↗ Credit Union · Chattanooga, TN · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Rutledge, TN | Chattanooga, TN |
| Total assets | $274.6M | $3.2B |
| Capital ratio | 10.4% | 14.7% |
| Return on assets | 1.2% | 1.5% |
| Deposits | $244.8M | — |
| Branches | 5 | 178,561 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 109 | #2 of 126 |
| Established | 1919 | 1936 |
Citizens Bank And Trust Company Of Grainger County
- Assets: $274.6M
- Deposits: $244.8M
- Capital ratio: 10.4%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #2 of 109
Tennessee Valley
- Assets: $3.2B
- Members: 178,561
- Capital ratio: 14.7%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #2 of 126
Are both institutions federally insured?
Yes. Citizens Bank And Trust Company Of Grainger County is FDIC-insured and Tennessee Valley is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Citizens Bank And Trust Company Of Grainger County or Tennessee Valley?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Citizens Bank And Trust Company Of Grainger County scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Citizens Bank And Trust Company Of Grainger County safe?
Yes — Citizens Bank And Trust Company Of Grainger County is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Tennessee Valley safe?
Yes — Tennessee Valley is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Citizens Bank And Trust Company Of Grainger County vs Tennessee Valley?
Citizens Bank And Trust Company Of Grainger County has a capital ratio of 10.4%, placing it in the top 45% of $100M–1B peers. Tennessee Valley's ratio is 14.7%, placing it in the top 8% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens Bank And Trust Company Of Grainger County have compared to Tennessee Valley?
The CFPB database shows 0 complaints against Citizens Bank And Trust Company Of Grainger County, and 0 complaints against Tennessee Valley. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Citizens Bank And Trust Company Of Grainger County with other Banks in Tennessee
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
