PackageTrendsPeer
Letter portraitLegal landscape

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