CITIZENS NATIONAL BANK OF QUITMAN, THE

QUITMAN, GA | Small | Est. Aug. 25, 1934, midnight | FDIC #14731 | RSSD #774235 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF QUITMAN, THE is asn small FDIC-insured commercial bank headquartered in QUITMAN, GA, established in Aug. 25, 1934, midnight. As of 2025-12-31, the bank reported total assets of $137M and total deposits of $121M. Profitability stands at 1.75% ROA and 15.09% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 22.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.49%. FDIC Certificate #14731.

Assets

$137M

Deposits

$121M

Loans

$74M

Equity

$16M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 15.09%
Net Interest Margin (NIM) 4.28%
Yield on Assets 6.03%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.49%
NPA Ratio 0.06%
ACL / Loans 1.84%

Capital & Liquidity

CET1 Ratio 22.03%
Tier 1 Capital 22.03%
Total Capital Ratio 23.29%
Leverage Ratio 12.60%
Loan-to-Deposit 60.78%

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