The Citizens Bank of Swainsboro: 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 Swainsboro of Swainsboro, 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% | 82nd top |
| ROAE | 15.94% | 13.31% | +2.63% | 71st above |
| Net Interest Margin | 4.96% | 3.93% | +1.03% | 91st top |
| Efficiency Ratio | 51.67% | 61.14% | -9.47% | 77th top |
| PPNR / Avg Assets | 2.61% | 1.68% | +0.93% | 91st top |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 84th top |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 4.16% | 3.32% | +0.84% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.94% | -0.57% | 52nd above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 54th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.95% | 1.28% | +0.67% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 527.19% | 1539.12% | -1011.93% | 72nd above |
| Texas Ratio | 2.01% | 7.33% | -5.32% | 63rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 551.61% | 1396.01% | -844.40% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.92% | 19.50% | -0.58% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.92% | 19.54% | -0.62% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.18% | 20.62% | -0.44% | 74th above |
| Leverage Ratio | 12.29% | 12.14% | +0.15% | 68th above |
| Equity / Assets | 12.06% | 11.37% | +0.69% | 71st above |
| TCE / Tangible Assets | 12.06% | 11.09% | +0.97% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.91% | 80.64% | +1.27% | 47th below |
| Core Deposit Ratio | 89.78% | 86.86% | +2.92% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.90% | 6.85% | -1.95% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.07% | 7.90% | -1.83% | 55th above |
| Deposit Growth (Y/Y) | 3.52% | 6.29% | -2.77% | 46th below |
See The Citizens Bank of Swainsboro'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 Swainsboro, 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 Swainsboro profile, how to read a UBPR, or how this data updates.