BlastPoint's Banking Scorecard
The Citizens Bank of Georgia
Community
Specialty: Commercial
GA
FDIC cert 34229
Cumming, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
The Citizens Bank of Georgia has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 44% in Community
- + Efficiency Ratio 20.80% below tier
- + Delinquency Rate 0.63% below tier
- + Non-Interest-Bearing Deposit Share 16.63% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.18% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$617.0M
+11.0% YoY
+0.0% QoQ
|
-$774.5M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$315.2M
+11.0% YoY
+1.7% QoQ
|
-$660.3M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$554.0M
+9.5% YoY
-0.2% QoQ
|
-$610.6M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.73%
+21.5% YoY
+4.8% QoQ
|
+0.57% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.92%
+7.8% YoY
+1.2% QoQ
|
+0.26% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
41.83%
-13.1% YoY
-2.5% QoQ
|
-20.80% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
56.88%
+1.4% YoY
+1.9% QoQ
|
-26.18% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.68%
+1.1% YoY
-8.2% QoQ
|
+16.63% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
17.44%
+2.2% YoY
+0.3% QoQ
|
+7.19% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.18%
-8.9% YoY
+33.8% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (5)
Profitability Leader
growth
#163 of 371 · Top 44% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.73%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.83%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.68%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
56.88%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.68% · Tier avg: 21.05%
94
94th pctile
Efficiency Ratio
Current: 41.83% · Tier avg: 62.63%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 10.24%
84
84th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.16%
67
67th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
21
21th pctile
Total Deposits
Current: $554.0M · Tier avg: $1.2B
17
17th pctile
Total Assets
Current: $617.0M · Tier avg: $1.4B
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.88% · Tier avg: 83.06%
6
6th pctile
Total Loans
Current: $315.2M · Tier avg: $975.5M
Top Weaknesses
6
6th pctile
Total Loans
Current: $315.2M · Tier avg: $975.5M
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.88% · Tier avg: 83.06%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
17
17th pctile
Total Assets
Current: $617.0M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $554.0M · Tier avg: $1.2B
67
67th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
84
84th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.16%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 10.24%
94
94th pctile
Efficiency Ratio
Current: 41.83% · Tier avg: 62.63%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.68% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%