BlastPoint's Banking Scorecard

Citizens Trust Bank

$100M-$1B Specialty: Commercial GA FDIC cert 8033

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Atlanta, GA

7 branches across GA · AL

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 -0.1% year over year ($678.1M on the books).
Delinquency rate 1.65%.
Return on assets 1.58%.
Efficiency ratio 54.11% vs a 64.48% peer average.
Loan-to-deposit ratio 56.76% 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 Trust Bank 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

+ Non-Interest-Bearing Deposit Share 18.85% above tier average
+ ROA 0.26% above tier average
+ Net Interest Margin 0.29% above tier average
+ Efficiency Ratio 10.37% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 58.3% in tier
- Delinquency Rate 0.73% above tier average

Get updates when Citizens Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$790.3M +1.6% YoY +0.4% QoQ	+$403.7M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Top 8.5% in tier
Total Loans ?	$384.9M -2.0% YoY +1.3% QoQ	+$126.6M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$678.1M -0.1% YoY +1.3% QoQ	+$351.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Top 8.1% in tier
Return on Assets ?	1.58% -10.5% YoY +4.0% QoQ	+0.26%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	4.28% -2.6% YoY +1.6% QoQ	+0.29%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	54.11% +5.4% YoY -2.9% QoQ	-10.37%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	1.65% +20.3% YoY +26.6% QoQ	+0.73%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	17%
Loan-to-Deposit Ratio ?	56.76% -1.9% YoY +0.0% QoQ	-21.19%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 14.1% in tier
Non-Interest-Bearing Deposit Share ?	40.88% -3.4% YoY +0.5% QoQ	+18.85%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 4.1% in tier
Nonperforming Asset Ratio ?	0.90% +11.4% YoY +22.6% QoQ	+0.23%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	22.73% +12.8% YoY -6.7% QoQ	+6.83%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 9.4% in tier
Non-Interest Income / Assets ?	0.30% -4.1% YoY +97.4% QoQ	-0.26%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	72%

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	40.9% -1.4pp YoY +0.2pp QoQ	+18.7pp	22.1%	26.2%	22.2%	96%
Brokered Deposits	0.1% 0.0pp YoY 0.0pp QoQ	-7.7pp	7.9%	7.5%	8.5%	6%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	27.3% +3.7pp YoY +0.3pp QoQ	+15.8pp	11.6%	9.7%	12.5%	95%
CRE	51.2% -0.7pp YoY +1.3pp QoQ	+11.6pp	39.5%	48.9%	41.4%	72%
1-4 Family	19.4% -1.2pp YoY -0.7pp QoQ	-13.2pp	32.6%	31.7%	31.3%	28%
Consumer	3.5% -1.2pp YoY -0.5pp QoQ	-0.6pp	4.1%	4.8%	5.0%	66%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	22.7% +2.6pp YoY -1.6pp QoQ	+3.9pp	18.8%	20.9%	19.7%	85%
Leverage Ratio	13.2% +1.2pp YoY -0.6pp QoQ	+1.1pp	12.2%	14.0%	12.6%	77%
Total Capital Ratio	23.9% +2.6pp YoY -1.6pp QoQ	+3.9pp	19.9%	22.1%	20.8%	85%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	81 -5 (-5.8%) YoY 0 QoQ	+22	58	98	482	77%
Assets per Employee ($)	$9.8M +7.9% YoY +0.4% QoQ	+$2.2M	$7.5M	$7.5M	$8.8M	84%
Branch Count	7 0 YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.4%	47%
Nonaccrual	1.6% +0.2pp YoY +0.3pp QoQ	+0.6pp	0.9%	0.8%	1.0%	83%
Allowance Coverage	0.77x -11.7% YoY -19.0% QoQ	-23.38x	24.15x	38.10x	20.23x	20%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	12.3% -3.2pp YoY +0.6pp QoQ	+0.1pp	12.2%	13.6%	11.6%	51%
Cost of Funds (YTD)	0.9% 0.0pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.6%	1.7%	8%
Net Income ($, YTD)	$6.2M -9.3% YoY — QoQ	+$3.7M	$2.6M	$6.6M	$40.4M	93%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#180 of 307 • Bottom 58.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.58%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

109

Non-Interest-Bearing Deposit Share

funding

Value: 40.88%

Peer Median: 22.03%

#109 of 2643 Top 4.1% in $100M-$1B

214

Total Deposits

size

Value: $678.13M

Peer Median: $326.73M

#214 of 2643 Top 8.1% in $100M-$1B

226

Total Assets

size

Value: $790.29M

Peer Median: $386.57M

#226 of 2643 Top 8.5% in $100M-$1B

249

Tier 1 Capital Ratio

capital

Value: 22.73%

Peer Median: 15.91%

#249 of 2643 Top 9.4% in $100M-$1B

374

Loan-to-Deposit Ratio

liquidity

Value: 56.76%

Peer Median: 77.95%

#374 of 2643 Top 14.1% in $100M-$1B

597

Total Loans

size

Value: $384.94M

Peer Median: $258.35M

#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (2 metrics)

2193

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 0.92%

#2193 of 2633 Bottom 16.7% in $100M-$1B

2040

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.67%

#2040 of 2643 Bottom 22.9% in $100M-$1B