Side-by-side · Q2 2026 data
Citizens Bank of Americus vs Georgia Community Bank
Metric by metric
| Measure | Citizens Bank of Americus | Georgia Community Bank |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 53 | 87 (stronger) |
| Loan quality | 97 (stronger) | 58 |
| Earnings | 83 | 92 (stronger) |
| Funding & liquidity | 72 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 68th | 72nd |
| Total assets | $511.1M | $375.0M |
| Deposits / shares | $453.9M | $321.7M |
| Capital ratio | 10.25% | 13.67% (stronger) |
| Problem loans | 0.09% (stronger) | 1.25% |
| Net charge-offs | -0.02% (stronger) | 0.09% |
| Return on assets | 1.58% | 1.80% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 78.4% |
| Uninsured deposits | 40.4% | 27.9% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Georgia Community Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Americus leads on 3 and Georgia Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.