Side-by-side · Q2 2026 data
Citizens Bank of Americus vs First State Bank
Metric by metric
| Measure | Citizens Bank of Americus | First State Bank |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 97 (stronger) | 89 |
| Earnings | 83 | 93 (stronger) |
| Funding & liquidity | 72 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 68th | 68th |
| Total assets | $511.1M | $512.7M |
| Deposits / shares | $453.9M | $444.8M |
| Capital ratio | 10.25% | 10.53% (stronger) |
| Problem loans | 0.09% (stronger) | 0.32% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.58% | 1.84% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 93.5% |
| Uninsured deposits | 40.4% | 14.6% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank of Americus leads on 3 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Americus, GA