The Citizens Bank of Georgia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.06 percentage points higher than in Q1 2026, at 61.39%. Within Georgia, The Citizens Bank of Georgia is 34th of 121 on return on assets, 1.89% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The Citizens Bank of Georgia reported 1.89% on return on assets in Q2 2026, 0.64 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.76% |
| Tier 1 risk-based capital ratio | 18.76% |
| Total risk-based capital ratio | 19.95% |
| Tier 1 leverage ratio | 11.49% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 18.14% |
| Net interest margin | 4.10% |
| Efficiency ratio | 37.81% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.39% |
| Core deposits to total deposits | 86.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.77% |
| Securities to assets | 39.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.13% | 16.13% | 17.36% | 9.92% | 1.32% |
| Q4 2023 | 16.00% | 16.00% | 17.21% | 9.72% | 1.49% |
| Q1 2024 | 16.62% | 16.62% | 17.86% | 10.00% | 1.28% |
| Q2 2024 | 17.23% | 17.23% | 18.48% | 10.14% | 1.35% |
| Q3 2024 | 17.74% | 17.74% | 18.99% | 10.43% | 1.46% |
| Q4 2024 | 17.07% | 17.07% | 18.30% | 10.19% | 1.52% |
| Q1 2025 | 17.60% | 17.60% | 18.82% | 10.48% | 1.51% |
| Q2 2025 | 17.39% | 17.39% | 18.56% | 10.49% | 1.62% |
| Q3 2025 | 17.38% | 17.38% | 18.53% | 10.60% | 1.79% |
| Q4 2025 | 17.44% | 17.44% | 18.60% | 10.50% | 1.93% |
| Q1 2026 | 18.09% | 18.09% | 19.26% | 10.95% | 1.78% |
| Q2 2026 | 18.76% | 18.76% | 19.95% | 11.49% | 1.89% |
The Citizens Bank of Georgia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Georgia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens Bank of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34229) · FFIEC NIC profile (RSSD 2505451)