Citizens Bank of the South: how it compares with its peers
Against 71 GA banks with half to twice its assets, Citizens Bank of the South's strongest measure in Q2 2026 is net interest margin (5.00% vs. a 4.64% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.1M).
| Measure | Citizens Bank of the South | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.58% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.00% | 4.64% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.07% | 56.83% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.1M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.81% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 58.07% is above the 56.83% 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
- Commercial Banking Company Valdosta, GA · $410M
- Exchange Bank Milledgeville, GA · $410M
- CIBC National Trust Company Atlanta, GA · $413M
- Georgia Community Bank Albany, GA · $375M
- Touchmark National Bank Alpharetta, GA · $417M
- F&M Bank Washington, GA · $420M
Questions about Citizens Bank of the South
How big is Citizens Bank of the South?
Citizens Bank of the South, established in 1965, is headquartered in Sandersville, GA. It reported $395M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens Bank of the South's return on assets?
1.58% annualized in Q2 2026, against a 1.58% median for 71 GA banks with half to twice its assets, ahead of 49% of them.
What is Citizens Bank of the South's efficiency ratio?
58.07% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 56.83%, and lower is better.
Is Citizens Bank of the South growing its loans?
Net loans grew 14.7% over the year to Q2 2026, while deposits grew 16.9%.
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.