BlastPoint's Banking Scorecard
The Citizens Bank of Swainsboro
Micro
Specialty: Commercial
GA
FDIC cert 11295
Designations: ✓ Community bank
Swainsboro, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Citizens Bank of Swainsboro shows strong momentum with 1 strength and 6.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.24% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$412.9M
+6.2% YoY
+1.0% QoQ
|
+$195.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$284.9M
+10.4% YoY
+1.4% QoQ
|
+$145.7M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$359.9M
+4.8% YoY
+0.5% QoQ
|
+$176.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.90%
+3.9% YoY
+1.4% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
5.09%
-0.3% YoY
+0.3% QoQ
|
+1.24% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
52.15%
-4.5% YoY
+0.1% QoQ
|
-15.58% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.12%
+11.5% YoY
+9.9% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
79.15%
+5.3% YoY
+0.9% QoQ
|
+4.62% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
28.48%
-6.6% YoY
-5.8% QoQ
|
+6.09% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.08%
+15.8% YoY
+10.3% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
18.67%
+5.9% YoY
+3.9% QoQ
|
+9.82% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.49%
-9.3% YoY
+33.3% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.09%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.85%
91
91th pctile
Total Deposits
Current: $359.9M · Tier avg: $183.7M
90
90th pctile
Total Loans
Current: $284.9M · Tier avg: $139.2M
90
90th pctile
Total Assets
Current: $412.9M · Tier avg: $217.5M
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.15% · Tier avg: 67.73%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.67% · Tier avg: 8.85%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.48% · Tier avg: 22.39%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.15% · Tier avg: 74.53%
Top Weaknesses
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.15% · Tier avg: 74.53%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.48% · Tier avg: 22.39%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.67% · Tier avg: 8.85%
86
86th pctile
Efficiency Ratio
Current: 52.15% · Tier avg: 67.73%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
90
90th pctile
Total Assets
Current: $412.9M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $284.9M · Tier avg: $139.2M
91
91th pctile
Total Deposits
Current: $359.9M · Tier avg: $183.7M
92
92th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.85%