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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

$420.5MAssets
$299.0MLoans
$365.1MDeposits
$50.7MEquity
Loan mix
81%RE $234.7M14%C&I $40.3M5%Consumer $14.1MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $263.8M28%Noninterest $101.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.87%1.90%1.77%1.83%-3 bps
Return on Equity17.36%17.16%17.11%15.10%15.48%-187 bps
Net Interest Margin4.77%4.78%4.74%4.65%4.65%-12 bps
Efficiency Ratio52.24%52.10%52.15%51.57%51.79%-45 bps
Non-Interest Burden2.24%2.25%2.24%2.18%2.14%-10 bps
Growth
Asset Growth (YoY)16.13%13.68%6.20%4.73%4.90%-1,123 bps
Loan Growth (YoY)8.88%9.59%10.30%7.55%6.07%-281 bps
Deposit Growth (YoY)16.27%13.64%4.83%3.58%3.52%-1,276 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.11%0.12%0.14%0.36%+28 bps
Net Charge-Offs / Loans0.01%0.03%0.05%0.10%0.04%+3 bps
Allowance / Loans1.90%1.91%1.91%1.92%1.95%+5 bps
Allowance Coverage of NPLs24.5x17.9x16.2x13.7x5.4x-19.1x
Capital
Tier 1 Leverage Ratio11.44%11.72%12.01%12.07%12.29%+85 bps
Total Risk-Based Capital18.77%19.23%19.93%19.77%20.18%+141 bps
Equity / Assets11.00%11.41%11.81%11.67%12.06%+106 bps
Liquidity & Funding
Loans / Deposits79.94%79.97%80.69%80.61%81.91%+197 bps
Liquid Assets / Assets14.00%14.24%13.43%12.98%12.40%-160 bps
CRE / Total Capitaln/a209%203%214%n/an/a