Citizens Community Bank: how it compares with its peers
Against 63 GA banks with half to twice its assets, Citizens Community Bank's strongest measure in Q2 2026 is return on assets (1.45% vs. a 1.54% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.7M).
| Measure | Citizens Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.54% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 4.66% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.49% | 59.85% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.7M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.43% | 77.83% | Context |
What it means for lending operations
Its efficiency ratio of 64.49% is above the 59.85% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mount Vernon Bank Mount Vernon, GA · $218M
- Embassy National Bank Lawrenceville, GA · $228M
- First Bank of Coastal Georgia Pembroke, GA · $216M
- The First National Bank of Waynesboro Waynesboro, GA · $229M
- Vidalia Federal Savings Bank Vidalia, GA · $212M
- Loyal Trust Bank Johns Creek, GA · $235M
Questions about Citizens Community Bank
How big is Citizens Community Bank?
Citizens Community Bank, established in 1927, is headquartered in Hahira, GA. It reported $222M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens Community Bank's return on assets?
1.45% annualized in Q2 2026, against a 1.54% median for 63 GA banks with half to twice its assets, ahead of 41% of them.
What is Citizens Community Bank's efficiency ratio?
64.49% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 59.85%, and lower is better.
Is Citizens Community Bank growing its loans?
Net loans grew 11.9% over the year to Q2 2026, while deposits grew 7.3%.
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.