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Citizens Bank of the South

$100M-$1B Specialty: Commercial GA FDIC cert 19420

Sandersville, 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 +16.9% year over year ($345.6M on the books).
  • Delinquency rate 0.46%.
  • Return on assets 1.58%.
  • Efficiency ratio 58.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.81% 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) →

Citizens Bank of the South has 4 strengths but faces 2 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

  • + Deposit Franchise: Top 49.3% in tier
  • + ROA 0.26% above tier average
  • + Efficiency Ratio 6.41% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 39.2% in tier
  • - Credit Quality Pressure: Bottom 40.0% in tier
Get updates when Citizens Bank of the South releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $395.1M
+14.2% YoY -0.1% QoQ
+$8.5M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $300.0M
+14.7% YoY +2.9% QoQ
+$41.7M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $345.6M
+16.9% YoY +0.8% QoQ
+$18.9M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.58%
+12.4% YoY +4.2% QoQ
+0.26% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 5.00%
-0.8% YoY +0.2% QoQ
+1.02% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 7.9% in tier
Efficiency Ratio ? 58.07%
-6.9% YoY -1.5% QoQ
-6.41% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.46%
+121.5% YoY +12.5% QoQ
-0.46% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 86.81%
-1.9% YoY +2.0% QoQ
+8.86% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 33.20%
-8.1% YoY -0.8% QoQ
+11.17% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 12.1% in tier
Nonperforming Asset Ratio ? 0.35%
+122.4% YoY +15.9% QoQ
-0.32% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 17.59%
-3.0% YoY +1.6% QoQ
+1.68% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.20%
+0.0% YoY +91.6% QoQ
-0.37% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
48%

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%
-2.9pp YoY
-0.3pp 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 8.9%
-0.2pp YoY
+0.9pp QoQ
 -2.6pp 11.6% 9.7% 12.5% 46%
CRE 41.4%
+3.3pp YoY
-2.1pp QoQ
 +1.9pp 39.5% 48.9% 41.4% 56%
1-4 Family 44.2%
-3.1pp YoY
+1.3pp QoQ
 +11.6pp 32.6% 31.7% 31.3% 76%
Consumer 3.9%
-0.2pp YoY
-0.1pp QoQ
 -0.3pp 4.1% 4.8% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 17.6%
-0.5pp YoY
+0.3pp QoQ
 -1.2pp 18.8% 20.9% 19.7% 67%
Leverage Ratio 11.9%
-1.0pp YoY
-0.6pp QoQ
 -0.2pp 12.2% 14.0% 12.6% 64%
Total Capital Ratio 18.8%
-0.5pp YoY
+0.3pp QoQ
 -1.1pp 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 61
-2 (-3.2%) YoY
0 QoQ
 +2 58 98 482 64%
Assets per Employee ($) $6.5M
+18.0% YoY
-0.1% QoQ
 -$1.0M $7.5M $7.5M $8.8M 42%
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 0.5%
+0.2pp YoY
+0.1pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 50%
Allowance Coverage 2.73x
-57.9% YoY
-13.1% QoQ
 -21.42x 24.15x 38.10x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 12.8%
+1.6pp YoY
+0.6pp QoQ
 +0.6pp 12.2% 13.6% 11.6% 55%
Cost of Funds (YTD) 1.6%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 45%
Net Income ($, YTD) $3.0M
+26.3% YoY
— QoQ
 +$480K $2.6M $6.6M $40.4M 70%

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 (1)

Deposit Franchise

growth
#138 of 278 • Top 49.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.20%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.00%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk
#292 of 742 • Bottom 39.2% 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: 17.59%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.81%
(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

Credit Quality Pressure

risk
#504 of 1256 • Bottom 40.0% in tier

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

Why this signature
Delinquency Rate: 0.46%
(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

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 (3 metrics)

211
Net Interest Margin
profitability
Value: 5.00%
Peer Median: 3.99%
#211 of 2643 Top 7.9% in $100M-$1B
322
Non-Interest-Bearing Deposit Share
funding
Value: 33.20%
Peer Median: 22.03%
#322 of 2643 Top 12.1% in $100M-$1B
546
Tier 1 Capital Ratio
capital
Value: 17.59%
Peer Median: 15.91%
#546 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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