Citizens Bank of the South: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of the South of Sandersville, GA against its peer group of 2603 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 | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 13.44% | 13.32% | +0.12% | 57th above |
| Net Interest Margin | 4.72% | 3.93% | +0.79% | 86th top |
| Efficiency Ratio | 57.11% | 61.13% | -4.02% | 63rd above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 77th top |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.94% | -0.41% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.70% | -0.29% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 230.66% | 1546.67% | -1316.01% | 52nd above |
| Texas Ratio | 3.11% | 7.34% | -4.23% | 53rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 187.50% | 1395.57% | -1208.07% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.59% | 19.49% | -1.90% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.59% | 19.52% | -1.93% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.84% | 20.61% | -1.77% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.94% | 12.14% | -0.20% | 64th above |
| Equity / Assets | 12.24% | 11.36% | +0.88% | 73rd above |
| TCE / Tangible Assets | 12.24% | 11.08% | +1.16% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.89% | 80.66% | +7.23% | 33rd below |
| Core Deposit Ratio | 93.75% | 86.85% | +6.90% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.24% | 6.84% | +7.40% | 91st top |
| Loan Growth (Y/Y) | 14.60% | 7.92% | +6.68% | 85th top |
| Deposit Growth (Y/Y) | 16.86% | 6.28% | +10.58% | 93rd top |
See Citizens Bank of the South's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of the South, 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 Citizens Bank of the South profile, how to read a UBPR, or how this data updates.