The Citizens Bank of Georgia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens Bank of Georgia of Cumming, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.89% | 1.34% | +0.55% | 81st top |
| ROAE | 18.14% | 13.31% | +4.83% | 80th top |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 37.81% | 61.15% | -23.34% | 97th top |
| PPNR / Avg Assets | 2.58% | 1.68% | +0.90% | 91st top |
| Yield on Earning Assets | 5.24% | 5.67% | -0.43% | 32nd below |
| Cost of Funds | 1.26% | 1.88% | -0.62% | 82nd top |
| Net Interest Spread | 3.14% | 3.32% | -0.18% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 93rd top |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 65th above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.76% | 19.50% | -0.74% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.76% | 19.54% | -0.78% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.95% | 20.62% | -0.67% | 73rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.49% | 12.14% | -0.65% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.37% | -0.43% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.09% | -0.15% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.39% | 80.65% | -19.26% | 82nd top |
| Core Deposit Ratio | 86.16% | 86.86% | -0.70% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.41% | 6.86% | -5.45% | 28th below |
| Loan Growth (Y/Y) | 10.73% | 7.90% | +2.83% | 76th top |
| Deposit Growth (Y/Y) | -0.31% | 6.29% | -6.60% | 22nd bottom |
See The Citizens Bank of Georgia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens Bank of Georgia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens Bank of Georgia profile, how to read a UBPR, or how this data updates.