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 | |