Citizens Trust Bank: 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: 8.18 percentage points lower than in Q1 2026, at 60.88%. Citizens Trust Bank ranks 59th of 121 Georgia banks on return on assets, in the upper half at 1.61% (Q2 2026). Citizens Trust Bank reported 1.61% on return on assets for Q2 2026, 0.36 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.73% |
| Tier 1 risk-based capital ratio | 22.73% |
| Total risk-based capital ratio | 23.87% |
| Tier 1 leverage ratio | 13.24% |
| Equity capital to assets | 12.49% |
| Tangible equity to tangible assets | 12.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.07% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 6.71% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 60.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 12.80% |
| Net interest margin | 4.22% |
| Efficiency ratio | 52.53% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.49% |
| Core deposits to total deposits | 98.29% |
| Brokered deposits to total deposits | 0.13% |
| Deposits to assets | 85.81% |
| Securities to assets | 36.90% |
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 | 19.40% | 19.40% | 20.52% | 11.25% | 2.25% |
| Q4 2023 | 20.42% | 20.42% | 21.60% | 11.88% | 2.21% |
| Q1 2024 | 20.43% | 20.43% | 21.58% | 12.17% | 2.11% |
| Q2 2024 | 19.55% | 19.55% | 20.68% | 11.62% | 2.23% |
| Q3 2024 | 19.52% | 19.52% | 20.60% | 11.94% | 2.06% |
| Q4 2024 | 20.09% | 20.09% | 21.16% | 12.24% | 2.01% |
| Q1 2025 | 21.35% | 21.35% | 22.43% | 12.70% | 1.77% |
| Q2 2025 | 20.16% | 20.16% | 21.25% | 12.06% | 1.73% |
| Q3 2025 | 22.76% | 22.76% | 23.85% | 13.27% | 1.83% |
| Q4 2025 | 24.03% | 24.03% | 25.16% | 13.68% | 1.83% |
| Q1 2026 | 24.37% | 24.37% | 25.51% | 13.86% | 1.51% |
| Q2 2026 | 22.73% | 22.73% | 23.87% | 13.24% | 1.61% |
Citizens Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Trust Bank, 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 Citizens Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8033) · FFIEC NIC profile (RSSD 680130)