The Citizens Bank of Swainsboro: 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.
Reserve coverage of non-performing loans dropped 688.47 percentage points in Q2 2026, from 1215.67% to 527.19%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Citizens Bank of Swainsboro is 33rd 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 Swainsboro reported 1.89% on return on assets in Q2 2026, 0.64 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.92% |
| Tier 1 risk-based capital ratio | 18.92% |
| Total risk-based capital ratio | 20.18% |
| Tier 1 leverage ratio | 12.29% |
| Equity capital to assets | 12.06% |
| Tangible equity to tangible assets | 12.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.01% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | 527.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 15.94% |
| Net interest margin | 4.96% |
| Efficiency ratio | 51.67% |
| Yield on earning assets | 6.39% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.91% |
| Core deposits to total deposits | 89.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.82% |
| Securities to assets | 12.64% |
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 | 15.71% | 15.71% | 16.97% | 10.98% | 1.70% |
| Q4 2023 | 16.61% | 16.61% | 17.87% | 11.29% | 2.06% |
| Q1 2024 | 16.75% | 16.75% | 18.01% | 11.32% | 1.77% |
| Q2 2024 | 16.60% | 16.60% | 17.86% | 11.47% | 1.80% |
| Q3 2024 | 17.30% | 17.30% | 18.57% | 11.60% | 1.87% |
| Q4 2024 | 17.63% | 17.63% | 18.89% | 11.48% | 1.99% |
| Q1 2025 | 17.15% | 17.15% | 18.41% | 11.14% | 1.77% |
| Q2 2025 | 17.51% | 17.51% | 18.77% | 11.44% | 2.02% |
| Q3 2025 | 17.97% | 17.97% | 19.23% | 11.72% | 1.91% |
| Q4 2025 | 18.67% | 18.67% | 19.93% | 12.01% | 1.98% |
| Q1 2026 | 18.51% | 18.51% | 19.77% | 12.07% | 1.80% |
| Q2 2026 | 18.92% | 18.92% | 20.18% | 12.29% | 1.89% |
The Citizens Bank of Swainsboro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Swainsboro, 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 Swainsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11295) · FFIEC NIC profile (RSSD 268136)