Side-by-side · Q2 2026 data
First American Bank and Trust Company vs The Citizens Bank of Georgia
Metric by metric
| Measure | First American Bank and Trust Company | The Citizens Bank of Georgia |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 83 (stronger) | 65 |
| Loan quality | 100 | 100 |
| Earnings | 99 (stronger) | 94 |
| Funding & liquidity | 44 | 80 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 90th | 88th |
| Total assets | $901.9M | $598.5M |
| Deposits / shares | $753.2M | $531.3M |
| Capital ratio | 13.34% (stronger) | 11.49% |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.98% (stronger) | 1.86% |
| Loans ÷ deposits | 93.1% | 60.6% (stronger) |
| Uninsured deposits | 36.3% | 33.1% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 1.6% |
First American Bank and Trust Company has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust Company leads on 3 and The Citizens Bank of Georgia on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.