Citizens Bank of Americus: how it compares with its peers
Against 65 GA banks with half to twice its assets, Citizens Bank of Americus's strongest measure in Q2 2026 is assets per employee ($10.9M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.80% vs. 4.64%).
| Measure | Citizens Bank of Americus | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.63% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 4.64% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.67% | 56.50% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.9M | $7.1M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.78% | 80.42% | Context |
What it means for lending operations
Its efficiency ratio of 47.67% is better than the 56.50% 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
- First State Bank Wrens, GA · $513M
- American Commerce Bank, National Association Bremen, GA · $496M
- Century Bank and Trust Milledgeville, GA · $491M
- Planters First Bank Cordele, GA · $486M
- Bank of Dudley Dudley, GA · $538M
- First National Bank of Coffee County Douglas, GA · $547M
Questions about Citizens Bank of Americus
How big is Citizens Bank of Americus?
Citizens Bank of Americus, established in 1937, is headquartered in Americus, GA. It reported $511M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens Bank of Americus's return on assets?
1.58% annualized in Q2 2026, against a 1.63% median for 65 GA banks with half to twice its assets, ahead of 48% of them.
What is Citizens Bank of Americus's efficiency ratio?
47.67% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 56.50%, and lower is better.
Is Citizens Bank of Americus growing its loans?
Net loans grew 9.3% over the year to Q2 2026, while deposits grew 2.9%.
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.