BlastPoint's Banking Scorecard
Citizens Bank of Americus
Americus, GA
3 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 +2.9% year over year ($453.9M on the books).
- Delinquency rate 0.09%.
- Return on assets 1.58%.
- Efficiency ratio 47.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank of Americus has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Efficiency Ratio 16.81% below tier average
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$511.1M
+3.7% YoY
+0.9% QoQ
|
+$124.5M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$266.8M
+9.3% YoY
+3.6% QoQ
|
+$8.5M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$453.9M
+2.9% YoY
+0.7% QoQ
|
+$127.2M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
1.58%
+4.5% YoY
+3.8% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
3.80%
+4.7% YoY
+3.2% QoQ
|
-0.19% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
47.67%
-5.3% YoY
-2.6% QoQ
|
-16.81% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 12.4% in tier |
| Delinquency Rate ? |
0.09%
-87.6% YoY
-56.0% QoQ
|
-0.83% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
58.78%
+6.2% YoY
+2.9% QoQ
|
-19.18% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
22.49%
-7.1% YoY
-2.5% QoQ
|
+0.46% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.05%
-86.9% YoY
-64.1% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
17.69%
+1.8% YoY
+0.3% QoQ
|
+1.78% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.25%
+20.6% YoY
+148.1% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
64% |
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 |
22.5%
-1.7pp YoY -0.6pp QoQ |
+0.3pp | 22.1% | 26.2% | 22.2% | 56% |
| 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 |
14.6%
+1.7pp YoY +0.1pp QoQ |
+3.1pp | 11.6% | 9.7% | 12.5% | 74% |
| CRE |
48.2%
+2.6pp YoY +0.6pp QoQ |
+8.7pp | 39.5% | 48.9% | 41.4% | 67% |
| 1-4 Family |
15.3%
-0.6pp YoY +0.4pp QoQ |
-17.4pp | 32.6% | 31.7% | 31.3% | 20% |
| Consumer |
1.9%
-0.5pp YoY -0.1pp QoQ |
-2.2pp | 4.1% | 4.8% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.7%
+0.3pp YoY +0.1pp QoQ |
-1.1pp | 18.8% | 20.9% | 19.7% | 68% |
| Leverage Ratio |
10.3%
+0.5pp YoY +0.2pp QoQ |
-1.9pp | 12.2% | 14.0% | 12.6% | 36% |
| Total Capital Ratio |
18.9%
+0.3pp YoY 0.0pp QoQ |
-1.0pp | 19.9% | 22.1% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
47
0 YoY 0 QoQ |
-12 | 58 | 98 | 482 | 49% |
| Assets per Employee ($) |
$10.9M
+3.7% YoY +0.9% QoQ |
+$3.4M | $7.5M | $7.5M | $8.8M | 90% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.6pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 17% |
| Allowance Coverage |
18.43x
+671.3% YoY +135.7% QoQ |
-5.72x | 24.15x | 38.10x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
-1.0pp YoY +0.5pp QoQ |
+4.8pp | 12.2% | 13.6% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 40% |
| Net Income ($, YTD) |
$4.0M
+9.8% YoY — QoQ |
+$1.5M | $2.6M | $6.6M | $40.4M | 81% |
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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.