BlastPoint's Banking Scorecard

The Citizens Bank of Georgia

$100M-$1B Specialty: Commercial GA FDIC cert 34229

Cumming, GA

4 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

The Citizens Bank of Georgia shows strong momentum with 5 strengths and 6.8% YoY asset growth

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

+ Credit Quality Leader: Top 46.2% in tier
+ Efficiency Ratio 25.86% below tier average
+ Non-Interest-Bearing Deposit Share 18.32% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.52% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Citizens Bank of Georgia releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$622.0M +6.8% YoY +0.8% QoQ	+$236.0M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$320.3M +14.5% YoY +1.6% QoQ	+$64.6M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$556.3M +5.4% YoY +0.4% QoQ	+$228.4M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.79% +18.4% YoY +3.1% QoQ	+0.52%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	3.96% +6.1% YoY +0.9% QoQ	+0.03%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	39.43% -15.3% YoY -5.7% QoQ	-25.86%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 3.6% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	57.57% +8.6% YoY +1.2% QoQ	-19.07%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	40.34% -0.5% YoY +7.1% QoQ	+18.32%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 4.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.09% +2.8% YoY +3.8% QoQ	+2.26%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.05% -8.0% YoY -74.7% QoQ	-0.23%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	17%

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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)

Credit Quality Leader

growth

#308 of 664 • Top 46.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (9 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.43%

Peer Median: 65.29%

#96 of 2664 Top 3.6% in $100M-$1B

120

Non-Interest-Bearing Deposit Share

funding

Value: 40.34%

Peer Median: 22.02%

#120 of 2664 Top 4.5% in $100M-$1B

423

Total Deposits

size

Value: $556.33M

Peer Median: $327.97M

#423 of 2664 Top 15.8% in $100M-$1B

434

Loan-to-Deposit Ratio

liquidity

Value: 57.57%

Peer Median: 76.64%

#434 of 2664 Top 16.3% in $100M-$1B

477

Total Assets

size

Value: $622.03M

Peer Median: $386.08M

#477 of 2664 Top 17.9% in $100M-$1B

500

Tier 1 Capital Ratio

capital

Value: 18.09%

Peer Median: 15.83%

#500 of 2664 Top 18.7% in $100M-$1B

504

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.27%

#504 of 2664 Top 18.9% in $100M-$1B

Top Weaknesses (1 metrics)

2200

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2200 of 2664 Bottom 17.5% in $100M-$1B