The Citizens National Bank of Quitman: how it compares with its peers
Against 43 GA banks with half to twice its assets, The Citizens National Bank of Quitman's strongest measure in Q2 2026 is efficiency ratio (52.13% vs. a 63.12% peer median). Its weakest relative measure is net interest margin (4.40% vs. 4.36%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.30% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 4.36% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.13% | 63.12% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $5.7M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.54% | 66.87% | Context |
What it means for lending operations
Its efficiency ratio of 52.13% is better than the 63.12% 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
- Bank of Hazlehurst Hazlehurst, GA · $134M
- Planters and Citizens Bank Camilla, GA · $139M
- The Merchants & Citizens Bank Mcrae, GA · $146M
- The Farmers Bank Greensboro, GA · $148M
- Moultrie Bank & Trust Moultrie, GA · $151M
- Carver State Bank Savannah, GA · $111M
Questions about The Citizens National Bank of Quitman
How big is The Citizens National Bank of Quitman?
The Citizens National Bank of Quitman, established in 1934, is headquartered in Quitman, GA. It reported $134M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Citizens National Bank of Quitman's return on assets?
1.58% annualized in Q2 2026, against a 1.30% median for 43 GA banks with half to twice its assets, ahead of 60% of them.
What is The Citizens National Bank of Quitman's efficiency ratio?
52.13% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 63.12%, and lower is better.
Is The Citizens National Bank of Quitman growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 2.1%.
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.