Side-by-side · Q2 2026 data
Citizens Bank of the South vs Georgia Community Bank
Metric by metric
| Measure | Citizens Bank of the South | Georgia Community Bank |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 69 | 87 (stronger) |
| Loan quality | 85 (stronger) | 58 |
| Earnings | 83 | 92 (stronger) |
| Funding & liquidity | 56 | 67 (stronger) |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 64th | 72nd |
| Total assets | $395.1M | $375.0M |
| Deposits / shares | $345.6M | $321.7M |
| Capital ratio | 11.94% | 13.67% (stronger) |
| Problem loans | 0.45% (stronger) | 1.25% |
| Net charge-offs | 0.04% (stronger) | 0.09% |
| Return on assets | 1.58% | 1.80% (stronger) |
| Loans ÷ deposits | 86.8% | 78.4% (stronger) |
| Uninsured deposits | 30.8% | 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 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of the South leads on 2 and Georgia Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.