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Citizens Bank of Swainsboro, The

Swainsboro, GA · Cert 11295 · Swainsboro Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Swainsboro, The

Swainsboro, GA · Cert 11295 · Swainsboro Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$420.5MAssets
$299.0MLoans
$365.1MDeposits
$50.7MEquity
Loan mix
81%RE $234.7M14%C&I $40.3M5%Consumer $14.1MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $263.8M28%Noninterest $101.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.83%, down 3 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.36% of loans (+28 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.29%, up 85 bps from a year ago.
  • Funding: loans stand at 81.91% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.83%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.65%-12 bps YoY

Efficiency Ratio (YTD, annualized)

51.79%-45 bps YoY

Tier 1 Leverage Ratio

12.29%+85 bps YoY

NIM

6.11%Q2 ’246.17%Q2 ’256.02%Q2 ’26-1%-2%

Non-interest income vs. expense

2.96%Q2 ’242.77%Q2 ’252.70%Q2 ’26-5%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.83%1.74%1.86%1.87%1.90%1.77%1.83%-3 bps
Return on Equity16.37%16.83%16.35%17.36%17.16%17.11%15.10%15.48%-187 bps
Net Interest Margin4.75%4.60%4.67%4.77%4.78%4.74%4.65%4.65%-12 bps
Efficiency Ratio54.87%54.61%53.51%52.24%52.10%52.15%51.57%51.79%-45 bps
Non-Interest Burden2.34%2.26%2.28%2.24%2.25%2.24%2.18%2.14%-10 bps
Growth
Asset Growth (YoY)10.46%14.54%17.57%16.13%13.68%6.20%4.73%4.90%-1,123 bps
Loan Growth (YoY)6.64%7.21%10.61%8.88%9.59%10.30%7.55%6.07%-281 bps
Deposit Growth (YoY)9.35%14.61%17.81%16.27%13.64%4.83%3.58%3.52%-1,276 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.11%0.12%0.08%0.11%0.12%0.14%0.36%+28 bps
Net Charge-Offs / Loans0.06%0.09%0.00%0.01%0.03%0.05%0.10%0.04%+3 bps
Allowance / Loans1.98%1.97%1.94%1.90%1.91%1.91%1.92%1.95%+5 bps
Allowance Coverage of NPLs22.1x18.7x16.3x24.5x17.9x16.2x13.7x5.4x-19.1x
Capital
Tier 1 Leverage Ratio11.60%11.48%11.14%11.44%11.72%12.01%12.07%12.29%+85 bps
Total Risk-Based Capital18.57%18.89%18.41%18.77%19.23%19.93%19.77%20.18%+141 bps
Equity / Assets11.21%10.66%10.57%11.00%11.41%11.81%11.67%12.06%+106 bps
Liquidity & Funding
Loans / Deposits82.93%76.70%77.64%79.94%79.97%80.69%80.61%81.91%+197 bps
Liquid Assets / Assets13.65%17.88%15.96%14.00%14.24%13.43%12.98%12.40%-160 bps
CRE / Total Capitaln/an/an/an/a209%203%214%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Bank of Swainsboro, The

Swainsboro, GA · Cert 11295 · Peer group: banks under $1B in assets in GA (n=58-59) · Swainsboro Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$420.5MAssets
$299.0MLoans
$365.1MDeposits
$50.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 83% of banks under $1B in assets in GA (rank 10 of 59).
  • Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets in GA (rank 40 of 58).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.82%

Rank 10 of 59

Net Interest Margin

4.65%

Rank 18 of 59

Efficiency Ratio

51.79%

Rank 14 of 59

Equity / Assets

12.06%

Rank 26 of 59

Non-interest income vs. expense

$2.4M$11.3MINCOMEEXPENSE
Unfavorable gap of $9.0M · efficiency ratio beats 78% of banks under $1B in assets in GA
Bank 51.79%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.82%0.94%1.46%1.76%Beats 83%10 / 59
Return on Equity15.10%7.92%11.60%15.10%Beats 75%15 / 59
Net Interest Margin4.65%3.66%4.24%4.75%Beats 69%18 / 59
Efficiency Ratio51.79%51.87%60.25%70.24%Beats 78%14 / 59
Asset Quality
Nonperforming Loans / Loans0.36%0.10%0.36%0.89%Beats 50%30 / 58
Net Charge-Offs / Loans0.04%0.00%0.02%0.05%Beats 33%40 / 58
Capital
Tier 1 Capital Ratio18.92%11.93%15.65%21.05%Beats 64%21 / 59
Total Risk-Based Capital Ratio20.18%12.05%15.77%22.26%Beats 66%20 / 59
Equity / Assets12.06%9.10%11.51%14.32%Beats 56%26 / 59
Liquidity & Funding
Loans / Deposits81.91%59.62%72.81%85.44%69th pctl18 / 58
Loans / Assets71.12%49.55%64.39%73.73%69th pctl18 / 59
Brokered Deposits / Depositsn/aNot reported for this institution