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The Citizens Bank of Swainsboro

$100M-$1B Specialty: Commercial GA FDIC cert 11295

Swainsboro, GA

5 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +3.5% year over year ($365.1M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 1.83%.
  • Efficiency ratio 51.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

The Citizens Bank of Swainsboro has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.95% above tier average
  • + ROA 0.51% above tier average
  • + Efficiency Ratio 12.69% below tier average
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 36.0% in tier
  • - Credit Quality Pressure: Bottom 40.6% in tier
  • - Liquidity Overhang: Bottom 42.0% in tier
Get updates when The Citizens Bank of Swainsboro releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $420.5M
+4.9% YoY +0.4% QoQ
+$33.9M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $293.2M
+6.0% YoY +1.4% QoQ
+$34.8M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $365.1M
+3.5% YoY -0.2% QoQ
+$38.3M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 1.83%
-1.6% YoY +3.4% QoQ
+0.51% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.93%
-1.6% YoY +1.9% QoQ
+0.95% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 9.0% in tier
Efficiency Ratio ? 51.79%
-0.9% YoY +0.4% QoQ
-12.69% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.37%
+364.3% YoY +156.2% QoQ
-0.55% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 80.31%
+2.4% YoY +1.6% QoQ
+2.36% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 27.73%
-8.1% YoY -7.8% QoQ
+5.70% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.26%
+369.2% YoY +158.8% QoQ
-0.41% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 18.92%
+8.1% YoY +2.2% QoQ
+3.01% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.28%
+8.8% YoY +152.2% QoQ
-0.28% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 27.7%
-2.4pp YoY
-2.3pp QoQ
 +5.6pp 22.1% 26.2% 22.2% 75%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 14.1%
-1.0pp YoY
+0.2pp QoQ
 +2.5pp 11.6% 9.7% 12.5% 73%
CRE 36.7%
+1.9pp YoY
0.0pp QoQ
 -2.8pp 39.5% 48.9% 41.4% 47%
1-4 Family 36.9%
-0.4pp YoY
-0.2pp QoQ
 +4.3pp 32.6% 31.7% 31.3% 65%
Consumer 4.9%
-0.2pp YoY
0.0pp QoQ
 +0.8pp 4.1% 4.8% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 18.9%
+1.4pp YoY
+0.4pp QoQ
 +0.1pp 18.8% 20.9% 19.7% 74%
Leverage Ratio 12.3%
+0.8pp YoY
+0.2pp QoQ
 +0.1pp 12.2% 14.0% 12.6% 68%
Total Capital Ratio 20.2%
+1.4pp YoY
+0.4pp QoQ
 +0.2pp 19.9% 22.1% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 67
+7 (+11.7%) YoY
+1 (+1.5%) QoQ
 +8 58 98 482 68%
Assets per Employee ($) $6.3M
-6.1% YoY
-1.1% QoQ
 -$1.2M $7.5M $7.5M $8.8M 38%
Branch Count 5
0 YoY
0 QoQ
 0 4 6 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 16%
Nonaccrual 0.4%
+0.3pp YoY
+0.2pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 43%
Allowance Coverage 5.41x
-77.9% YoY
-60.3% QoQ
 -18.74x 24.15x 38.10x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 15.5%
-1.9pp YoY
+0.4pp QoQ
 +3.3pp 12.2% 13.6% 11.6% 70%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 33%
Net Income ($, YTD) $3.8M
+3.6% YoY
— QoQ
 +$1.3M $2.6M $6.6M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#338 of 936 • Bottom 36.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#511 of 1256 • Bottom 40.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.37%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#313 of 742 • Bottom 42.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.92%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 80.31%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

238
Net Interest Margin
profitability
Value: 4.93%
Peer Median: 3.99%
#238 of 2643 Top 9.0% in $100M-$1B
432
Tier 1 Capital Ratio
capital
Value: 18.92%
Peer Median: 15.91%
#432 of 2643 Top 16.3% in $100M-$1B
495
Return on Assets
profitability
Value: 1.83%
Peer Median: 1.32%
#495 of 2643 Top 18.7% in $100M-$1B
543
Efficiency Ratio
profitability
Value: 51.79%
Peer Median: 64.48%
#543 of 2643 Top 20.5% in $100M-$1B
648
Non-Interest-Bearing Deposit Share
funding
Value: 27.73%
Peer Median: 22.03%
#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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