Atlanta, GA · Cert 8033 · Citizens Bancshares Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
77
Asset Quality
32
Profitability
53
Liquidity
0
Efficiency
70
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.
Atlanta, GA · Cert 8033 · Citizens Bancshares Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #27 of 81 inst. · $0.6B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 2.11% | 1.78% | 1.76% | 1.79% | 1.80% | 1.52% | 1.58% | -19 bps | |
| Return on Equity | 20.18% | 19.78% | 15.63% | 15.56% | 15.36% | 15.10% | 11.69% | 12.31% | -325 bps | |
| Net Interest Margin | 4.62% | 4.45% | 4.13% | 4.11% | 4.17% | 4.16% | 3.97% | 3.99% | -12 bps | |
| Efficiency Ratio | 46.39% | 46.14% | 51.43% | 51.35% | 50.58% | 50.56% | 55.70% | 54.11% | +276 bps | |
| Non-Interest Burden | 1.84% | 1.73% | 1.83% | 1.81% | 1.79% | 1.77% | 1.94% | 1.89% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.35% | 7.02% | 4.69% | 2.75% | -0.29% | 0.26% | 2.29% | 1.60% | -114 bps | |
| Loan Growth (YoY) | 9.82% | 9.47% | 1.10% | -0.86% | -6.12% | -6.75% | -3.52% | -1.96% | -110 bps | |
| Deposit Growth (YoY) | 8.87% | 6.60% | 3.43% | 2.62% | -1.96% | -1.85% | 0.86% | -0.13% | -275 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.72% | 1.57% | 0.98% | 1.35% | 1.06% | 0.87% | 1.29% | 1.63% | +27 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.05% | 0.05% | 0.15% | 0.12% | 0.05% | 0.04% | -1 bps | |
| Allowance / Loans | 1.15% | 1.15% | 1.16% | 1.19% | 1.19% | 1.22% | 1.23% | 1.26% | +7 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.7x | 1.2x | 0.9x | 1.1x | 1.4x | 1.0x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.94% | 12.24% | 12.70% | 12.06% | 13.27% | 13.68% | 13.86% | 13.24% | +118 bps | |
| Total Risk-Based Capital | 20.60% | 21.16% | 22.43% | 21.25% | 23.85% | 25.16% | 25.51% | 23.87% | +262 bps | |
| Equity / Assets | 11.12% | 10.81% | 11.92% | 11.30% | 12.71% | 12.80% | 13.19% | 12.49% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.60% | 58.69% | 60.06% | 58.56% | 58.03% | 55.76% | 57.46% | 57.49% | -107 bps | |
| Liquid Assets / Assets | 6.14% | 6.68% | 4.34% | 5.19% | 7.89% | 8.06% | 5.21% | 4.26% | -94 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 189.97% | 176.37% | 172.28% | n/a | n/a | |
Atlanta, GA · Cert 8033 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Citizens Bancshares Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
1.58%
Rank 7 of 20
Net Interest Margin
3.99%
Rank 10 of 20
Efficiency Ratio
54.11%
Rank 7 of 20
Equity / Assets
12.49%
Rank 8 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.58% | 1.08% | 1.42% | 1.85% | Beats 65% | 7 / 20 | ||
| Return on Equity | 12.65% | 9.57% | 13.48% | 17.30% | Beats 45% | 11 / 20 | ||
| Net Interest Margin | 3.99% | 3.38% | 3.99% | 4.50% | Beats 50% | 10 / 20 | ||
| Efficiency Ratio | 54.11% | 47.39% | 61.42% | 73.60% | Beats 70% | 7 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.63% | 0.05% | 0.79% | 1.63% | Beats 26% | 15 / 19 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 37% | 13 / 19 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.73% | 13.64% | 16.79% | 19.57% | Beats 85% | 3 / 20 | ||
| Total Risk-Based Capital Ratio | 23.87% | 14.77% | 17.61% | 20.82% | Beats 85% | 3 / 20 | ||
| Equity / Assets | 12.49% | 9.66% | 10.94% | 13.62% | Beats 60% | 8 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.49% | 70.35% | 84.66% | 95.83% | 10th pctl | 18 / 20 | ||
| Loans / Assets | 49.33% | 62.58% | 72.89% | 77.86% | 5th pctl | 19 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||