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Citizens Community Bank

$100M-$1B Specialty: Commercial GA FDIC cert 12079

Hahira, GA

4 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

Citizens Community Bank has 4 strengths but faces 1 concern

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

  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.37% above tier average
  • + Efficiency Ratio 2.63% below tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 42.4% in tier
Get updates when Citizens Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $218.1M
+5.8% YoY +3.8% QoQ
-$167.9M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
31%
Total Loans ? $134.8M
+16.1% YoY +3.2% QoQ
-$120.9M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
31%
Total Deposits ? $196.8M
+4.0% YoY +4.0% QoQ
-$131.2M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
33%
Return on Assets ? 1.56%
+78.1% YoY +17.5% QoQ
+0.29% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
71%
Net Interest Margin ? 4.30%
+2.8% YoY -2.6% QoQ
+0.37% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
73%
Efficiency Ratio ? 62.66%
-18.1% YoY -8.3% QoQ
-2.63% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.77%
+33.0% YoY -3.6% QoQ
-0.11% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
34%
Loan-to-Deposit Ratio ? 68.52%
+11.6% YoY -0.8% QoQ
-8.12% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
69%
Non-Interest-Bearing Deposit Share ? 32.45%
-3.1% YoY -0.4% QoQ
+10.43% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
Top 13.3% in tier
Nonperforming Asset Ratio ? 0.48%
+45.8% YoY -4.2% QoQ
-0.16% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
38%
Tier 1 Capital Ratio ? 13.40%
-23.8% YoY +2.3% QoQ
-2.43% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.15%
+4.5% YoY -76.0% QoQ
-0.13% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
73%

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 (1)

Credit Quality Pressure

risk
#556 of 1308 • Bottom 42.4% in tier

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

Why this signature
Delinquency Rate: 0.77%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

356
Non-Interest-Bearing Deposit Share
funding
Value: 32.45%
Peer Median: 22.02%
#356 of 2664 Top 13.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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