Citizens Bank of Americus
Americus, GA · Cert 15477 · Peer group: banks under $1B in assets in GA (n=58-59) · Cba Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$511.1MAssets
$271.2MLoans
$453.9MDeposits
$48.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets in GA (rank 8 of 59).
- Widest gap: net interest margin trails 78% of banks under $1B in assets in GA (rank 46 of 59).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.57%
Rank 22 of 59
Net Interest Margin
3.59%
Rank 46 of 59
Efficiency Ratio
47.67%
Rank 8 of 59
Equity / Assets
9.49%
Rank 44 of 59
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 88% 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 | 1.57% | 0.94% | 1.46% | 1.76% | Beats 63% | 22 / 59 | |
| Return on Equity | 16.55% | 7.92% | 11.60% | 15.10% | Beats 86% | 8 / 59 | |
| Net Interest Margin | 3.59% | 3.66% | 4.24% | 4.75% | Beats 22% | 46 / 59 | |
| Efficiency Ratio | 47.67% | 51.87% | 60.25% | 70.24% | Beats 88% | 8 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.10% | 0.36% | 0.89% | Beats 78% | 14 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 71% | 20 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 17.69% | 11.93% | 15.65% | 21.05% | Beats 56% | 26 / 59 | |
| Total Risk-Based Capital Ratio | 18.94% | 12.05% | 15.77% | 22.26% | Beats 56% | 26 / 59 | |
| Equity / Assets | 9.49% | 9.10% | 11.51% | 14.32% | Beats 25% | 44 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 59.75% | 59.62% | 72.81% | 85.44% | 26th pctl | 43 / 58 | |
| Loans / Assets | 53.07% | 49.55% | 64.39% | 73.73% | 32nd pctl | 40 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |