The Citizens National Bank of Quitman
Also written as CNB of Quitman
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Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank of Quitman is an FDIC-insured commercial bank headquartered in Quitman, GA, established in 1934 (FDIC certificate 14731), and it is supervised by the OCC. At Q2 2026 it reported total assets of $133.7M, up 1.6% from Q2 2025, the 106th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 17.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14731
- Headquarters
- Quitman, GA
- Established
- 1934
- Total assets, Q2 2026
- $133.7M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 17.94%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061201864
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens National Bank of Quitman call report
- Holding company
- LOWNDES BANCSHARES, INC.
- Asset rank in state
- 106th of 121 in Georgia
The Citizens National Bank of Quitman, based in Quitman, Georgia, reported $134 million in assets at June 30, 2026, up 1.6% from a year earlier. It holds commercial real estate loans equal to only 36% of its capital, about a third the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 51 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 13% from a year earlier, to $548,000. Over the same year, loans grew 7.3% and deposits grew 2.1%.
As of June 30, 2026, The Citizens National Bank of Quitman reported a CET1 capital ratio of 17.94%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.11%. The figures come from its call report filed with the FFIEC.
The Citizens National Bank of Quitman ranks as the 106th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $133.7M, loans rose 9.7% and deposits fell 0.7%. 1-4 family residential loans made up 22.4% of its total loans on June 30, 2026, its largest category; next came auto loans at 19.8%. Its one office in the FDIC Summary of Deposits is in Quitman, GA. By the capital ratios in its Q2 2026 call report, The Citizens National Bank of Quitman meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 East Stevens Street, Quitman, GA 31643
- County
- Brooks
- Metro Area
- Valdosta, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 25, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $119.0M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $134.8M
- Average total loans
- $79.3M
- Average interest-bearing deposits
- $90.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 1934
- FDIC Cert
- 14731
- Fed RSSD
- 774235
- Website
- www.cnbquitman.com →
- Parent Holding Company
- LOWNDES BANCSHARES, INC. (RSSD 3839340)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Citizens National Bank of Quitman's total assets ranged from $119.5M (Q3 2023) to $137.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$133.7M total assets against $131.6M; $119.4M total liabilities against $117.3M.
$81.5M net loans and leases against $75.9M; $119.0M total deposits against $116.5M.
$33.2M securities against $30.3M; $12.0M cash and balances due against $17.7M.
$1.9M total interest income against $1.9M; $502K total interest expense against $520K.
$1.4M net interest income against $1.3M.
$71K total noninterest income against $74K; $768K total noninterest expense against $772K.
$25K provision for credit losses against $18K.
$548K net income against $484K.
1.63% return on assets against 1.47%; 4.38% net interest margin against 4.30%.
17.94% CET1 capital ratio against 19.68%; 11.56% tier 1 leverage ratio against 11.92%.
Inside the full The Citizens National Bank of Quitman terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens National Bank of Quitman rankings
Its closest position to the top of a national ranking is 489 of 2,134, for CET1 ratio; its furthest is 3,425 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q3 2024) to 1.76% (Q4 2025) and its net interest margin ran from 4.15% (Q4 2024) to 4.38% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.94% | 1.63% | 0.21% | 1.11% | 4.38% |
| Q1 2026 | 17.61% | 1.51% | 0.23% | 1.12% | 4.16% |
| Q4 2025 | 22.03% | 1.76% | 0.17% | 0.71% | 4.18% |
| Q3 2025 | 19.72% | 1.43% | 0.22% | 0.99% | 4.27% |
| Q2 2025 | 19.68% | 1.47% | 0.17% | 0.84% | 4.30% |
| Q1 2025 | 20.15% | 1.40% | 0.16% | 0.80% | 4.17% |
| Q4 2024 | 18.28% | 1.44% | 0.03% | 0.14% | 4.15% |
| Q3 2024 | 18.77% | 1.38% | 0.02% | 0.12% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens National Bank of Quitman | Quitman , GA | 31643 | $119.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 142 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36 applications, 33 loans originated, $5.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $675K approved, $675K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens National Bank of Quitman
What are The Citizens National Bank of Quitman's total assets?
As of the Q2 2026 filing, The Citizens National Bank of Quitman reported total assets of $133.7 million in its FFIEC call report.
Where is The Citizens National Bank of Quitman headquartered?
It is headquartered in Quitman, GA, United States.
When was The Citizens National Bank of Quitman founded?
It was established in 1934, per the FDIC institution directory.
Is The Citizens National Bank of Quitman FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank of Quitman?
The Citizens National Bank of Quitman's primary federal regulator is the OCC.
What is The Citizens National Bank of Quitman's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank of Quitman operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank of Quitman's Texas Ratio?
Its Texas Ratio is 1.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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