Citizens Community Bank
Hahira, GA · Cert 12079 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CCB Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$221.9MAssets
$136.5MLoans
$200.0MDeposits
$14.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks under $1B in assets operating in a single state (rank 68 of 746).
- Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 714 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.11%
Rank 347 of 746
Net Interest Margin
3.75%
Rank 349 of 746
Efficiency Ratio
64.49%
Rank 371 of 746
Equity / Assets
6.62%
Rank 714 of 746
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 53% | 347 / 746 | | |
| Return on Equity | 16.76% | 6.74% | 10.51% | 13.63% | Beats 91% | 68 / 746 | | |
| Net Interest Margin | 3.75% | 3.17% | 3.68% | 4.16% | Beats 53% | 349 / 746 | | |
| Efficiency Ratio | 64.49% | 55.74% | 64.58% | 75.47% | Beats 50% | 371 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.09% | 0.42% | 1.07% | Beats 30% | 519 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 582 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.57% | 11.55% | 13.75% | 17.60% | Beats 48% | 390 / 746 | | |
| Total Risk-Based Capital Ratio | 14.75% | 11.71% | 14.33% | 18.43% | Beats 53% | 349 / 746 | | |
| Equity / Assets | 6.62% | 8.90% | 10.51% | 13.06% | Beats 4% | 714 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.27% | 61.31% | 78.27% | 90.78% | 33rd pctl | 499 / 746 | | |
| Loans / Assets | 61.52% | 53.60% | 66.97% | 76.08% | 38th pctl | 461 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |