The Citizens National Bank of Quitman: 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 Reserve coverage of non-performing loans: 222.13 percentage points lower than in Q1 2026, at 273.85%. Within Georgia, The Citizens National Bank of Quitman is 57th of 121 on return on assets, 1.63% as of Q2 2026, above the middle of the field. The Citizens National Bank of Quitman reported 1.63% on return on assets for Q2 2026, 0.37 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.94% |
| Tier 1 risk-based capital ratio | 17.94% |
| Total risk-based capital ratio | 19.20% |
| Tier 1 leverage ratio | 11.56% |
| Equity capital to assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 3.19% |
| Allowance for credit losses to loans | 1.65% |
| Reserve coverage of non-performing loans | 273.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 15.55% |
| Net interest margin | 4.38% |
| Efficiency ratio | 51.37% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.69% |
| Core deposits to total deposits | 83.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.98% |
| Securities to assets | 24.80% |
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 | 21.98% | 21.98% | 23.24% | 13.61% | 1.54% |
| Q4 2023 | 18.93% | 18.93% | 20.19% | 12.12% | 1.44% |
| Q1 2024 | 20.16% | 20.16% | 21.42% | 12.33% | 1.59% |
| Q2 2024 | 19.26% | 19.26% | 20.52% | 12.33% | 1.46% |
| Q3 2024 | 18.77% | 18.77% | 20.03% | 12.20% | 1.38% |
| Q4 2024 | 18.28% | 18.28% | 19.54% | 11.48% | 1.44% |
| Q1 2025 | 20.15% | 20.15% | 21.41% | 11.56% | 1.40% |
| Q2 2025 | 19.68% | 19.68% | 20.93% | 11.92% | 1.47% |
| Q3 2025 | 19.72% | 19.72% | 20.98% | 12.36% | 1.43% |
| Q4 2025 | 22.03% | 22.03% | 23.29% | 12.60% | 1.76% |
| Q1 2026 | 17.61% | 17.61% | 18.86% | 10.89% | 1.51% |
| Q2 2026 | 17.94% | 17.94% | 19.20% | 11.56% | 1.63% |
The Citizens National Bank of Quitman vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Quitman, 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 National Bank of Quitman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14731) · FFIEC NIC profile (RSSD 774235)