BlastPoint's Banking Scorecard
Citizens Community Bank
Hahira, GA
4 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 +7.3% year over year ($200.0M on the books).
- Delinquency rate 0.90%.
- Return on assets 1.45%.
- Efficiency ratio 64.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Community Bank shows strong momentum with 2 strengths and 8.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.9M
+8.9% YoY
+1.7% QoQ
|
-$164.6M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$134.9M
+11.9% YoY
+0.0% QoQ
|
-$123.5M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$200.0M
+7.3% YoY
+1.6% QoQ
|
-$126.7M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
1.45%
+29.3% YoY
-7.0% QoQ
|
+0.13% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
4.27%
-0.6% YoY
-0.6% QoQ
|
+0.28% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
64.49%
-9.7% YoY
+2.9% QoQ
|
+0.01% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.90%
+63.9% YoY
+16.6% QoQ
|
-0.01% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
67.43%
+4.3% YoY
-1.6% QoQ
|
-10.52% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
33.19%
+0.0% YoY
+2.3% QoQ
|
+11.16% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 12.2% in tier |
| Nonperforming Asset Ratio ? |
0.55%
+68.3% YoY
+14.7% QoQ
|
-0.12% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
13.57%
-20.8% YoY
+1.2% QoQ
|
-2.34% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.29%
-1.5% YoY
+93.2% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
70% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
33.2%
0.0pp YoY +0.7pp QoQ |
+11.0pp | 22.1% | 26.2% | 22.2% | 88% |
| 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 |
9.4%
-1.2pp YoY +0.3pp QoQ |
-2.2pp | 11.6% | 9.7% | 12.5% | 48% |
| CRE |
48.1%
+1.7pp YoY -3.1pp QoQ |
+8.5pp | 39.5% | 48.9% | 41.4% | 67% |
| 1-4 Family |
37.5%
+0.8pp YoY +2.7pp QoQ |
+4.8pp | 32.6% | 31.7% | 31.3% | 66% |
| Consumer |
3.6%
-1.5pp YoY -0.1pp QoQ |
-0.5pp | 4.1% | 4.8% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
-3.6pp YoY +0.2pp QoQ |
-5.3pp | 18.8% | 20.9% | 19.7% | 35% |
| Leverage Ratio |
8.9%
-2.0pp YoY -0.1pp QoQ |
-3.2pp | 12.2% | 14.0% | 12.6% | 11% |
| Total Capital Ratio |
14.8%
-3.5pp YoY +0.2pp QoQ |
-5.2pp | 19.9% | 22.1% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+2 (+4.3%) YoY 0 QoQ |
-11 | 58 | 98 | 482 | 50% |
| Assets per Employee ($) |
$4.6M
+4.4% YoY +1.7% QoQ |
-$2.9M | $7.5M | $7.5M | $8.8M | 9% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 37% |
| Nonaccrual |
0.9%
+0.3pp YoY +0.2pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 68% |
| Allowance Coverage |
1.37x
-37.6% YoY -10.3% QoQ |
-22.78x | 24.15x | 38.10x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.0%
+7.6pp YoY -1.8pp QoQ |
+9.8pp | 12.2% | 13.6% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.7%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 52% |
| Net Income ($, YTD) |
$1.6M
+37.8% YoY — QoQ |
-$986K | $2.6M | $6.6M | $40.4M | 43% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.