Side-by-side · Q2 2026 data
Citizens Community Bank vs South Georgia Banking Company
Metric by metric
| Measure | Citizens Community Bank | South Georgia Banking Company |
|---|---|---|
| TellerScore | 67 | 85 (stronger) |
| Capital cushion | 39 | 89 (stronger) |
| Loan quality | 70 | 82 (stronger) |
| Earnings | 78 | 85 (stronger) |
| Funding & liquidity | 88 (stronger) | 75 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 34th | 88th |
| Total assets | $221.9M | $570.1M |
| Deposits / shares | $200.0M | $487.6M |
| Capital ratio | 8.94% | 13.86% (stronger) |
| Problem loans | 0.89% | 0.55% (stronger) |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 1.45% | 1.63% (stronger) |
| Loans ÷ deposits | 67.4% (stronger) | 80.9% |
| Uninsured deposits | 19.5% | 18.6% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.6% |
South Georgia Banking Company has the higher TellerScore (85 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 1 and South Georgia Banking Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.