The Citizens Bank of Swainsboro: how it compares with its peers
Against 72 GA banks with half to twice its assets, The Citizens Bank of Swainsboro's strongest measure in Q2 2026 is net interest margin (4.93% vs. a 4.57% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $7.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.57% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 4.57% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.79% | 57.91% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.2M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.31% | 79.80% | Context |
What it means for lending operations
Its efficiency ratio of 51.79% is better than the 57.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- F&M Bank Washington, GA · $420M
- Great Oaks Bank Richmond Hill, GA · $422M
- River City Bank Rome, GA · $423M
- Touchmark National Bank Alpharetta, GA · $417M
- CIBC National Trust Company Atlanta, GA · $413M
- Exchange Bank Milledgeville, GA · $410M
Questions about The Citizens Bank of Swainsboro
How big is The Citizens Bank of Swainsboro?
The Citizens Bank of Swainsboro, established in 1900, is headquartered in Swainsboro, GA. It reported $420M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Citizens Bank of Swainsboro's return on assets?
1.83% annualized in Q2 2026, against a 1.57% median for 72 GA banks with half to twice its assets, ahead of 71% of them.
What is The Citizens Bank of Swainsboro's efficiency ratio?
51.79% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 57.91%, and lower is better.
Is The Citizens Bank of Swainsboro growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.