TellerScore

The Citizens National Bank of Quitman (FDIC certificate #14731) is based in Quitman, Georgia. Its Q2 2026 call report shows $133.7M in total assets and $119.0M in deposits and 1 office.

Based on its Q2 2026 filing, The Citizens National Bank of Quitman scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 38th. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is capital cushion (66/100; 11.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.56%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 68.5% · 30.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 81).

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202483
Q4 202481
Q1 202580
Q2 202581
Q3 202583
Q4 202584
Q1 202679
Q2 202681
Tier 1 leverage ratio
5.00%8.80%12.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.33%
Q3 202412.20%
Q4 202411.48%
Q1 202511.56%
Q2 202511.92%
Q3 202512.36%
Q4 202512.60%
Q1 202610.89%
Q2 202611.56%
Noncurrent loans
0.02%0.12%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.02%
Q4 20240.03%
Q1 20250.16%
Q2 20250.17%
Q3 20250.22%
Q4 20250.17%
Q1 20260.23%
Q2 20260.21%
Return on assets
1.41%1.49%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.52%
Q3 20241.48%
Q4 20241.47%
Q1 20251.41%
Q2 20251.44%
Q3 20251.43%
Q4 20251.51%
Q1 20261.53%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$133.7M11.56%0.21%1.58%68.5%
Q1 202679$134.3M10.89%0.23%1.53%61.9%
Q4 202584$137.2M12.60%0.17%1.51%59.7%
Q3 202583$130.9M12.36%0.22%1.43%64.9%
Q2 202581$131.6M11.92%0.17%1.44%65.2%
Q1 202580$131.5M11.56%0.16%1.41%62.6%
Q4 202481$130.9M11.48%0.03%1.47%66.5%
Q3 202483$125.0M12.20%0.02%1.48%70.0%
Q2 202484$119.5M12.33%0.07%1.52%66.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.56%
59th
Total risk-based capital19.20%
84th
Problem loans0.21%
64th
Net charge-offs0.09%
21st
Return on assets1.58%
70th
Net interest margin4.40%
75th
Efficiency ratio52.1%
79th
Loans to deposits68.5%
72nd
Uninsured deposits30.3%
27th
Loan-loss reserves1.65%
86th
Texas ratio1.1%
68th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of HazlehurstBank Hazlehurst, GA90 out of 100, Very strong$134.2M14.6%0.68%vs
Planters and Citizens BankBank Camilla, GA71 out of 100, Strong$139.2M10.5%0.06%vs
The Merchants & Citizens BankBank Mcrae, GA79 out of 100, Strong$146.0M13.2%0.36%vs
The Farmers BankBank Greensboro, GA77 out of 100, Strong$148.3M11.2%0.05%vs
Moultrie Bank & TrustBank Moultrie, GA82 out of 100, Strong$150.6M14.1%0.10%vs
Carver State BankBank Savannah, GA89 out of 100, Very strong$111.2M15.0%0.37%vs

Deposit insurance

Is my money safe at The Citizens National Bank of Quitman?

Yes. The Citizens National Bank of Quitman is an FDIC-insured institution (FDIC certificate #14731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.3% of deposits ($36.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.20% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Citizens National Bank of Quitman lists 1 office in 1 city. Most locations:

  • Quitman, GA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Citizens National Bank of Quitman reported 36 home-loan applications under HMDA (LEI 549300DV4OQK0LOKRQ05): 33 originated ($5,455,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Citizens National Bank of Quitman
Type
National bank
FDIC certificate #
14731
RSSD ID
774235
Primary regulator
OCC
Holding company
Lowndes Bancshares Inc
Established
August 25, 1934
Headquarters
100 East Stevens Street, Quitman, GA 31643
Employees
20

Quick answers

The Citizens National Bank of Quitman: common questions

Is The Citizens National Bank of Quitman FDIC insured?

Yes. The Citizens National Bank of Quitman is an FDIC-insured institution (FDIC certificate #14731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens National Bank of Quitman's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Citizens National Bank of Quitman ever failed?

There is no failure record for FDIC certificate #14731 in the FDIC failed bank list.

How many branches does The Citizens National Bank of Quitman have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Quitman

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Pine Credit UnionCredit union Lake Park, GA82 out of 100, Strong$27.6M23.7%0.79%vs
Commercial Banking CompanyBank Valdosta, GA79 out of 100, Strong$409.5M10.3%0.04%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
Community Bank of GeorgiaBank Baxley, GA74 out of 100, Strong$269.5M11.0%1.05%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs