Citizens Bank of the South
Sandersville, GA · Cert 19420 · Peer group: banks under $1B in assets in GA (n=58-59)
State charter, non-member · FDIC · 3 branches
Q2 2026
$395.1MAssets
$303.8MLoans
$345.6MDeposits
$48.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 63% of banks under $1B in assets in GA (rank 23 of 59).
- Widest gap: net charge-offs / loans trails 57% of banks under $1B in assets in GA (rank 34 of 58).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.54%
Rank 24 of 59
Net Interest Margin
4.50%
Rank 24 of 59
Efficiency Ratio
58.07%
Rank 23 of 59
Equity / Assets
12.24%
Rank 25 of 59
Non-interest income vs. expense
Unfavorable gap of $10.0M · efficiency ratio beats 63% 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 | 1.54% | 0.94% | 1.46% | 1.76% | Beats 59% | 24 / 59 | |
| Return on Equity | 12.55% | 7.92% | 11.60% | 15.10% | Beats 56% | 26 / 59 | |
| Net Interest Margin | 4.50% | 3.66% | 4.24% | 4.75% | Beats 59% | 24 / 59 | |
| Efficiency Ratio | 58.07% | 51.87% | 60.25% | 70.24% | Beats 63% | 23 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.10% | 0.36% | 0.89% | Beats 43% | 34 / 58 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 43% | 34 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 17.59% | 11.93% | 15.65% | 21.05% | Beats 54% | 27 / 59 | |
| Total Risk-Based Capital Ratio | 18.84% | 12.05% | 15.77% | 22.26% | Beats 54% | 27 / 59 | |
| Equity / Assets | 12.24% | 9.10% | 11.51% | 14.32% | Beats 58% | 25 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 87.89% | 59.62% | 72.81% | 85.44% | 81st pctl | 11 / 58 | |
| Loans / Assets | 76.89% | 49.55% | 64.39% | 73.73% | 80th pctl | 12 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |