Side-by-side · Q2 2026 data
Apex Banking Company of Georgia vs Citizens Bank of the South
Metric by metric
| Measure | Apex Banking Company of Georgia | Citizens Bank of the South |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 47 | 69 (stronger) |
| Loan quality | 99 (stronger) | 85 |
| Earnings | 42 | 83 (stronger) |
| Funding & liquidity | 86 (stronger) | 56 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 40th | 64th |
| Total assets | $72.6M | $395.1M |
| Deposits / shares | $66.5M | $345.6M |
| Capital ratio | 9.70% | 11.94% (stronger) |
| Problem loans | 0.03% (stronger) | 0.45% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.55% | 1.58% (stronger) |
| Loans ÷ deposits | 67.3% (stronger) | 86.8% |
| Uninsured deposits | 21.2% (stronger) | 30.8% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of the South has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Apex Banking Company of Georgia leads on 4 and Citizens Bank of the South on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.