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Citizens National Bank of Quitman, The

Quitman, GA · Cert 14731 · Lowndes Bancshares Inc.

National charter · OCC · 2 affiliate banks · 1 branch (12 in holding)

Q2 2026

$133.7MAssets
$82.9MLoans
$119.0MDeposits
$14.3MEquity
Loan mix
68%RE $45.2M6%C&I $4.1M26%Consumer $17.0MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $83.9M29%Noninterest $35.1MQ2 2025Q2 2026

NIM

5.58%Q2 ’245.65%Q2 ’255.70%Q2 ’26+1%+3%

Non-interest income vs. expense

2.33%Q2 ’242.34%Q2 ’252.28%Q2 ’26+0%-2%

Market Position · Valdosta, GA · 2026 SOD (annual) · 3.2% share · #12 of 16 inst. · $0.1B of $3.8B

Executive Summary

  • Earnings: ROA of 1.64%, up 16 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.21% of loans (+4 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.56%, down 36 bps from a year ago.
  • Funding: loans stand at 69.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.64%+16 bps YoY

Net Interest Margin (quarter, annualized)

4.21%+13 bps YoY

Efficiency Ratio (quarter, annualized)

51.54%-294 bps YoY

Tier 1 Leverage Ratio

11.56%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.42%1.75%1.53%1.64%+16 bps
Return on Equity13.79%12.65%15.09%14.02%15.55%+176 bps
Net Interest Margin4.08%4.07%3.97%3.97%4.21%+13 bps
Efficiency Ratio54.48%55.66%51.02%52.73%51.54%-294 bps
Non-Interest Burden2.12%2.18%1.81%1.99%2.07%-5 bps
Growth
Asset Growth (YoY)10.12%4.71%4.82%2.13%1.57%-855 bps
Loan Growth (YoY)6.69%-3.68%-7.61%1.16%7.30%+60 bps
Deposit Growth (YoY)9.56%3.84%2.79%2.23%2.13%-743 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.22%0.17%0.23%0.21%+4 bps
Net Charge-Offs / Loans0.02%0.12%0.21%0.12%0.06%+4 bps
Allowance / Loans1.79%1.81%1.84%1.80%1.65%-13 bps
Allowance Coverage of NPLs10.5x8.4x11.1x7.9x7.8x-2.6x
Capital
Tier 1 Leverage Ratio11.92%12.36%12.60%10.89%11.56%-36 bps
Total Risk-Based Capital20.93%20.98%23.29%18.86%19.20%-174 bps
Equity / Assets10.89%11.60%11.53%10.32%10.72%-17 bps
Liquidity & Funding
Loans / Deposits66.34%66.07%60.78%63.08%69.69%+336 bps
Liquid Assets / Assets13.11%12.33%18.43%14.40%8.15%-496 bps
CRE / Total Capitaln/a76.04%72.29%88.89%n/an/a