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Citizens Bank of Georgia, The

Cumming, GA · Cert 34229 · Forsyth Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Georgia, The

Cumming, GA · Cert 34229 · Forsyth Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$598.5MAssets
$326.2MLoans
$531.3MDeposits
$65.5MEquity
Loan mix
91%RE $295.3M7%C&I $22.5M2%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $321.7M39%Noninterest $209.6MQ3 2024Q2 2026

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #32 of 81 inst. · $0.5B of $255.1B

6.5% Forsyth
0.9% Cherokee

Executive Summary

  • Earnings: ROA of 1.86%, up 28 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.49%, up 100 bps from a year ago.
  • Funding: loans stand at 61.39% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.86%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+32 bps YoY

Efficiency Ratio (YTD, annualized)

38.70%-630 bps YoY

Tier 1 Leverage Ratio

11.49%+100 bps YoY

NIM

4.59%Q2 ’244.80%Q2 ’255.04%Q2 ’26+8%+9%

Non-interest income vs. expense

1.74%Q2 ’241.70%Q2 ’251.58%Q2 ’26-1%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.43%1.51%1.58%1.65%1.73%1.79%1.86%+28 bps
Return on Equity16.59%16.94%17.06%17.42%17.92%18.47%17.76%17.94%+52 bps
Net Interest Margin3.37%3.36%3.59%3.59%3.61%3.62%3.83%3.91%+32 bps
Efficiency Ratio48.16%48.14%46.56%44.99%42.91%41.83%39.43%38.70%-630 bps
Non-Interest Burden1.52%1.52%1.56%1.51%1.44%1.41%1.40%1.40%-11 bps
Growth
Asset Growth (YoY)4.81%7.20%8.16%8.32%12.55%10.99%6.81%1.41%-691 bps
Loan Growth (YoY)1.45%1.46%1.92%6.91%11.53%10.93%14.41%10.73%+381 bps
Deposit Growth (YoY)2.36%6.38%6.90%6.82%12.01%9.51%5.41%-0.31%-713 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.01%0.01%0.01%0.02%-0.01%-2 bps
Allowance / Loans1.40%1.39%1.40%1.36%1.31%1.32%1.31%1.33%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.43%10.19%10.48%10.49%10.60%10.50%10.95%11.49%+100 bps
Total Risk-Based Capital18.99%18.30%18.82%18.56%18.53%18.60%19.26%19.95%+139 bps
Equity / Assets9.25%8.70%8.99%9.47%9.72%9.97%10.16%10.94%+147 bps
Liquidity & Funding
Loans / Deposits56.78%56.90%53.75%55.27%56.54%57.64%58.33%61.39%+612 bps
Liquid Assets / Assets7.47%6.07%9.84%6.58%6.91%6.54%5.82%3.37%-321 bps
CRE / Total Capitaln/an/an/an/a331%327%318%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Bank of Georgia, The

Cumming, GA · Cert 34229 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Forsyth Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$598.5MAssets
$326.2MLoans
$531.3MDeposits
$65.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 2 of 19).
  • Widest gap: net interest margin trails 55% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 11 of 20).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.90%

Rank 4 of 20

Net Interest Margin

3.91%

Rank 11 of 20

Efficiency Ratio

38.70%

Rank 2 of 20

Equity / Assets

10.94%

Rank 10 of 20

Non-interest income vs. expense

$1.1M$9.8MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 38.70%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.90%1.08%1.42%1.85%Beats 80%4 / 20
Return on Equity17.37%9.57%13.48%17.30%Beats 80%4 / 20
Net Interest Margin3.91%3.38%3.99%4.50%Beats 45%11 / 20
Efficiency Ratio38.70%47.39%61.42%73.60%Beats 95%2 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.79%1.63%Beats 100%2 / 19
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 47%11 / 19
Capital
Tier 1 Capital Ratio18.76%13.64%16.79%19.57%Beats 65%7 / 20
Total Risk-Based Capital Ratio19.95%14.77%17.61%20.82%Beats 65%7 / 20
Equity / Assets10.94%9.66%10.94%13.62%Beats 50%10 / 20
Liquidity & Funding
Loans / Deposits61.39%70.35%84.66%95.83%20th pctl16 / 20
Loans / Assets54.50%62.58%72.89%77.86%20th pctl16 / 20
Brokered Deposits / Depositsn/aNot reported for this institution