Bank Comparison
Citizens Trust Bank vs Peach State Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens Trust Bank | Peach State Bank & Trust |
|---|---|---|
| CET1 Ratio | 24.37% | 15.11% |
| Tier 1 Capital Ratio | 24.37% | 15.11% |
| Total Capital Ratio | 25.51% | 16.36% |
| Tier 1 Leverage Ratio | 13.86% | 9.69% |
| Equity / Assets | 13.19% | 9.11% |
Profitability
| Metric | Citizens Trust Bank | Peach State Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 1.31% |
| Return on Equity (ROE) | 11.69% | 14.58% |
| Net Interest Margin (NIM) | 4.15% | 3.75% |
| Yield on Earning Assets | 5.04% | 5.53% |
| Cost of Funds | 1.01% | 1.88% |
Asset quality
| Metric | Citizens Trust Bank | Peach State Bank & Trust |
|---|---|---|
| Texas Ratio | 7.21% | 0.00% |
| Non-Performing Loan Ratio | 1.78% | 0.00% |
| Non-Performing Asset Ratio | 0.97% | 0.00% |
| Net Charge-Off Ratio | 0.05% | -0.03% |
| ACL / Loans | 1.23% | 1.18% |
Balance sheet
| Metric | Citizens Trust Bank | Peach State Bank & Trust |
|---|---|---|
| Total Assets | $786,846K | $789,280K |
| Total Deposits | $669,648K | $713,478K |
| Total Loans | $384,767K | $498,190K |
| Total Equity | $103,801K | $71,924K |
| Net Income (quarter) | $3,004K | $2,584K |
Liquidity & funding
| Metric | Citizens Trust Bank | Peach State Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 57.46% | 69.83% |
| Core Deposit Ratio | 98.32% | 96.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Trust Bank | Peach State Bank & Trust |
|---|---|---|
| Headquarters City | ATLANTA | GAINESVILLE |
| Headquarters State | GA | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 81 | 76 |
| Established | June 18, 1921, midnight | April 27, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Citizens Trust Bank profile | View full Peach State Bank & Trust profile | Browse all bank comparisons