The Citizens Bank of Georgia
Cumming, GA·RSSD 2505451·FDIC 34229·bank:2505451·Risk-based ratios where reported
- #30 of 125Total assets in Georgia
- 4offices
- 57employees
- #3 of 112Efficiency in Georgia
- Top 4%Loan quality vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 27 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Where The Citizens Bank of Georgia differs most from peers
Efficiency ratio among the lowest of similar banksContext: Efficiency38.0%peers 60.8%-22.8 pp
The Citizens Bank of Georgia's efficiency ratio was 38.0%, compared with a median of 60.8% among 1433 similar banks: lower than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 38.0% | 60.8% | -22.8 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Citizens Bank of Georgia itself is left out of every peer median and percentile. How signals work
Problem loans among the lowest of similar banksContext: Asset quality0.00%peers 0.43%-43 bps
The Citizens Bank of Georgia's noncurrent loans as a share of loans was 0.00%, compared with a median of 0.43% among 1431 similar banks: lower than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans as a share of loans | ||
| 0.00% | 0.43% | -43 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Citizens Bank of Georgia itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share among the highest of similar banksContext: Funding39.4%peers 20.5%+18.9 pp
The Citizens Bank of Georgia's share of deposits that pay no interest was 39.4%, compared with a median of 20.5% among 1432 similar banks: higher than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 39.4% | 20.5% | +18.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Citizens Bank of Georgia itself is left out of every peer median and percentile. How signals work
Key facts
- The Citizens Bank of Georgia is a bank headquartered in Cumming, Georgia. It reported $599 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $531 million, down 0.3% from a year earlier, and loans totaled $326 million, up 10.7%.
- Its net interest margin was 4.16% and its annualized return on assets was 1.92% for the quarter.
- Its cost of all deposits was 1.27%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The Citizens Bank of Georgia's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- The Citizens Bank of Georgia · Bank
- Federal Reserve RSSD
- 2505451
- FDIC certificate
- 34229
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. The Citizens Bank of Georgia itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.92M | — | |
| $7.84M | — | |
| $1.72M | — | |
| $6.13M | — | |
| $290K | — | |
| $2.44M | — | |
| $60K | — | |
| $60K | — | |
| 1.92% | 1.91%ROAQ · Quarter | |
| 4.16% | 4.15%NIMYQ · Quarter | |
| 37.99% | 37.99%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.