The Citizens Bank of Georgia: how it compares with its peers
Against 56 GA banks with half to twice its assets, The Citizens Bank of Georgia's strongest measure in Q2 2026 is efficiency ratio (38.70% vs. a 56.59% peer median). Its weakest relative measure is net interest margin (4.07% vs. 4.65%).
| Measure | The Citizens Bank of Georgia | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.58% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 4.65% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.70% | 56.59% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $7.1M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.58% | 80.36% | Context |
What it means for lending operations
Its efficiency ratio of 38.70% is better than the 56.59% 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
- Guardian Bank Valdosta, GA · $598M
- Pineland Bank Alma, GA · $597M
- First Port City Bank Bainbridge, GA · $624M
- Southeastern Bank Darien, GA · $625M
- South Georgia Banking Company Omega, GA · $570M
- Community Bank of Pickens County Jasper, GA · $629M
Questions about The Citizens Bank of Georgia
How big is The Citizens Bank of Georgia?
The Citizens Bank of Georgia, established in 1997, is headquartered in Cumming, GA. It reported $599M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Citizens Bank of Georgia's return on assets?
1.86% annualized in Q2 2026, against a 1.58% median for 56 GA banks with half to twice its assets, ahead of 75% of them.
What is The Citizens Bank of Georgia's efficiency ratio?
38.70% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 56.59%, and lower is better.
Is The Citizens Bank of Georgia growing its loans?
Net loans grew 10.8% over the year to Q2 2026, while deposits shrank 0.3%.
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.