BlastPoint's Banking Scorecard
Citizens Bank of Americus
Community
Specialty: Commercial
GA
FDIC cert 15477
Americus, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Citizens Bank of Americus shows strong momentum with 1 strength and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.19% below 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 ? |
$504.9M
+6.7% YoY
+3.2% QoQ
|
-$886.6M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$260.5M
+6.2% YoY
+5.2% QoQ
|
-$715.0M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$450.2M
+5.7% YoY
+3.4% QoQ
|
-$714.4M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.50%
+1.9% YoY
-0.9% QoQ
|
+0.34% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.66%
-0.1% YoY
+0.0% QoQ
|
0 |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
51.03%
-3.4% YoY
+1.9% QoQ
|
-11.60% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.19%
-15.5% YoY
-39.2% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
57.87%
+0.5% YoY
+1.8% QoQ
|
-25.19% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.83%
-1.7% YoY
+0.6% QoQ
|
+2.79% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.12%
+7.4% YoY
-45.3% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
17.12%
+5.1% YoY
-3.1% QoQ
|
+6.88% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.41%
-5.8% YoY
+29.0% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
57.87%
(Tier avg: 83.06%, National avg: 78.04%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.87% · Tier avg: 83.06%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.12% · Tier avg: 10.24%
82
82th pctile
Efficiency Ratio
Current: 51.03% · Tier avg: 62.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.83% · Tier avg: 21.05%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
5
5th pctile
Total Deposits
Current: $450.2M · Tier avg: $1.2B
3
3th pctile
Total Loans
Current: $260.5M · Tier avg: $975.5M
1
1th pctile
Total Assets
Current: $504.9M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $504.9M · Tier avg: $1.4B
3
3th pctile
Total Loans
Current: $260.5M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $450.2M · Tier avg: $1.2B
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.83% · Tier avg: 21.05%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
82
82th pctile
Efficiency Ratio
Current: 51.03% · Tier avg: 62.63%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.12% · Tier avg: 10.24%
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.87% · Tier avg: 83.06%