BlastPoint's Banking Scorecard
Citizens Bank of the South
Micro
Specialty: Commercial
GA
FDIC cert 19420
Designations: ✓ Community bank
Sandersville, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Citizens Bank of the South shows strong momentum with 1 strength and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.28% 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 ? |
$362.2M
+6.8% YoY
-0.7% QoQ
|
+$144.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$279.5M
+14.9% YoY
+1.9% QoQ
|
+$140.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$309.4M
+4.6% YoY
-1.0% QoQ
|
+$125.7M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.61%
+10.2% YoY
+8.4% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.14%
+3.3% YoY
+1.0% QoQ
|
+1.28% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
59.18%
-4.4% YoY
-2.8% QoQ
|
-8.55% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.20%
-16.8% YoY
-13.8% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
90.34%
+9.9% YoY
+2.9% QoQ
|
+15.81% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
34.88%
-7.7% YoY
-1.0% QoQ
|
+12.48% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-10.5% YoY
-11.6% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
18.39%
-3.1% YoY
+1.6% QoQ
|
+9.54% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.47%
+15.5% YoY
+65.6% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.14%
(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
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
89
89th pctile
Total Loans
Current: $279.5M · Tier avg: $139.2M
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 22.39%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.39% · Tier avg: 8.85%
83
83th pctile
Total Deposits
Current: $309.4M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $362.2M · Tier avg: $217.5M
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.34% · Tier avg: 74.53%
69
69th pctile
Efficiency Ratio
Current: 59.18% · Tier avg: 67.73%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
Top Weaknesses
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
69
69th pctile
Efficiency Ratio
Current: 59.18% · Tier avg: 67.73%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.34% · Tier avg: 74.53%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
82
82th pctile
Total Assets
Current: $362.2M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $309.4M · Tier avg: $183.7M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.39% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 22.39%
89
89th pctile
Total Loans
Current: $279.5M · Tier avg: $139.2M
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%