BlastPoint's Banking Scorecard

Citizens Bank of the South

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

Sandersville, GA

3 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in 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 44.1% in tier
+ ROA 0.25% above tier average
+ Efficiency Ratio 6.31% below tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 31.9% in tier
- Liquidity Overhang: Bottom 42.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$395.5M +16.1% YoY +9.2% QoQ	+$9.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$291.7M +15.9% YoY +4.4% QoQ	+$36.0M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$342.8M +15.4% YoY +10.8% QoQ	+$14.8M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.52% +17.3% YoY -5.8% QoQ	+0.25%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	4.99% +2.5% YoY -2.9% QoQ	+1.06%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 7.4% in tier
Efficiency Ratio ?	58.97% -7.7% YoY -0.3% QoQ	-6.31%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.40% +71.8% YoY +101.0% QoQ	-0.48%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	85.10% +0.5% YoY -5.8% QoQ	+8.46%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	33.47% -9.8% YoY -4.0% QoQ	+11.45%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 11.8% in tier
Nonperforming Asset Ratio ?	0.30% +71.5% YoY +92.1% QoQ	-0.34%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	17.31% -4.6% YoY -5.9% QoQ	+1.48%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.10% +4.7% YoY -78.3% QoQ	-0.18%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#121 of 272 • Top 44.1% 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: 33.47%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.99%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#418 of 1308 • Bottom 31.9% in tier

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

Why this signature

Delinquency Rate: 0.40%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Overhang

risk

#312 of 739 • Bottom 42.1% 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: 17.31%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.10%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

197

Net Interest Margin

profitability

Value: 4.99%

Peer Median: 3.93%

#197 of 2664 Top 7.4% in $100M-$1B

316

Non-Interest-Bearing Deposit Share

funding

Value: 33.47%

Peer Median: 22.02%

#316 of 2664 Top 11.8% in $100M-$1B

580

Tier 1 Capital Ratio

capital

Value: 17.31%

Peer Median: 15.83%

#580 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available