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
Unfavorable gap of $9.0M · efficiency ratio beats 78% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.82% | 0.94% | 1.46% | 1.76% | Beats 83% | 10 / 59 | |
| Return on Equity | 15.10% | 7.92% | 11.60% | 15.10% | Beats 75% | 15 / 59 | |
| Net Interest Margin | 4.65% | 3.66% | 4.24% | 4.75% | Beats 69% | 18 / 59 | |
| Efficiency Ratio | 51.79% | 51.87% | 60.25% | 70.24% | Beats 78% | 14 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.10% | 0.36% | 0.89% | Beats 50% | 30 / 58 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.05% | Beats 33% | 40 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 18.92% | 11.93% | 15.65% | 21.05% | Beats 64% | 21 / 59 | |
| Total Risk-Based Capital Ratio | 20.18% | 12.05% | 15.77% | 22.26% | Beats 66% | 20 / 59 | |
| Equity / Assets | 12.06% | 9.10% | 11.51% | 14.32% | Beats 56% | 26 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 81.91% | 59.62% | 72.81% | 85.44% | 69th pctl | 18 / 58 | |
| Loans / Assets | 71.12% | 49.55% | 64.39% | 73.73% | 69th pctl | 18 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |