Citizens Trust Bank: how it compares with its peers
Against 43 GA banks with half to twice its assets, Citizens Trust Bank's strongest measure in Q2 2026 is assets per employee ($9.8M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (4.28% vs. 4.52%).
| Measure | Citizens Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.63% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 4.52% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.11% | 55.38% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $7.1M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.76% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 54.11% is better than the 55.38% 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
- PromiseOne Bank Duluth, GA · $812M
- First National Community Bank Chatsworth, GA · $755M
- Barwick Banking Company Barwick, GA · $830M
- First Century Bank, National Association Commerce, GA · $832M
- Oconee State Bank Watkinsville, GA · $744M
Questions about Citizens Trust Bank
How big is Citizens Trust Bank?
Citizens Trust Bank, established in 1921, is headquartered in Atlanta, GA. It reported $790M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Citizens Trust Bank's return on assets?
1.58% annualized in Q2 2026, against a 1.63% median for 43 GA banks with half to twice its assets, ahead of 44% of them.
What is Citizens Trust Bank's efficiency ratio?
54.11% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 55.38%, and lower is better.
Is Citizens Trust Bank growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits shrank 0.1%.
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.