Citizens National Bank of Quitman, The
Quitman, GA · Cert 14731 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lowndes Bancshares Inc.
National charter · OCC · 2 affiliate banks · 1 branch (12 in holding)
Q2 2026
$133.7MAssets
$82.9MLoans
$119.0MDeposits
$14.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets operating in a single state (rank 132 of 746).
- Widest gap: net charge-offs / loans trails 75% of banks under $1B in assets operating in a single state (rank 562 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.60%
Rank 141 of 746
Net Interest Margin
4.14%
Rank 195 of 746
Efficiency Ratio
52.13%
Rank 135 of 746
Equity / Assets
10.72%
Rank 347 of 746
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 81% | 141 / 746 | |
| Return on Equity | 14.90% | 6.74% | 10.51% | 13.63% | Beats 82% | 132 / 746 | |
| Net Interest Margin | 4.14% | 3.17% | 3.68% | 4.16% | Beats 74% | 195 / 746 | |
| Efficiency Ratio | 52.13% | 55.74% | 64.58% | 75.47% | Beats 82% | 135 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.42% | 1.07% | Beats 66% | 257 / 743 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 562 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.94% | 11.55% | 13.75% | 17.60% | Beats 76% | 177 / 746 | |
| Total Risk-Based Capital Ratio | 19.20% | 11.71% | 14.33% | 18.43% | Beats 78% | 162 / 746 | |
| Equity / Assets | 10.72% | 8.90% | 10.51% | 13.06% | Beats 53% | 347 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 69.69% | 61.31% | 78.27% | 90.78% | 35th pctl | 485 / 746 | |
| Loans / Assets | 62.01% | 53.60% | 66.97% | 76.08% | 39th pctl | 453 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |