Foundation Bank vs Citizens Bank And Trust Company Of Grainger County
Comparing a Bank in Mc Kenzie, TN with a Bank in Rutledge, TN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Foundation Bank ↗ Bank · Mc Kenzie, TN · Est. 1934 | Citizens Bank And Trust Company Of Grainger County ↗ Bank · Rutledge, TN · Est. 1919 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Mc Kenzie, TN | Rutledge, TN |
| Total assets | $218.1M | $274.6M |
| Capital ratio | 13.9% | 10.4% |
| Return on assets | 1.8% | 1.2% |
| Deposits | $184.6M | $244.8M |
| Branches | 9 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 109 | #2 of 109 |
| Established | 1934 | 1919 |
Foundation Bank
- Assets: $218.1M
- Deposits: $184.6M
- Capital ratio: 13.9%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #3 of 109
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
Are both institutions federally insured?
Yes. Foundation Bank is FDIC-insured and Citizens Bank And Trust Company Of Grainger County is FDIC-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, Foundation Bank or Citizens Bank And Trust Company Of Grainger County?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Foundation Bank 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 Foundation Bank safe?
Yes — Foundation Bank 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Foundation Bank vs Citizens Bank And Trust Company Of Grainger County?
Foundation Bank has a capital ratio of 13.9%, placing it in the top 15% of $100M–1B peers. Citizens Bank And Trust Company Of Grainger County's ratio is 10.4%, placing it in the top 45% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Foundation Bank have compared to Citizens Bank And Trust Company Of Grainger County?
The CFPB database shows 0 complaints against Foundation Bank, and 0 complaints against Citizens Bank And Trust Company Of Grainger County. 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 Foundation Bank with other Banks in Tennessee
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
