Citizens Trust Bank
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
$790.3MAssets
$389.8MLoans
$678.1MDeposits
$98.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 3 of 20).
- Widest gap: nonperforming loans / loans trails 74% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 15 of 19).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.2M · efficiency ratio beats 70% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |