Side-by-side · Q2 2026 data
First State Bank of Randolph County vs Citizens Bank of Americus
Metric by metric
| Measure | First State Bank of Randolph County | Citizens Bank of Americus |
|---|---|---|
| TellerScore | 27 | 77 (stronger) |
| Capital cushion | 33 | 53 (stronger) |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 9 | 83 (stronger) |
| Funding & liquidity | 99 (stronger) | 72 |
| Problem-loan coverage | 0 | 99 (stronger) |
| Peer percentile | 1st | 68th |
| Total assets | $86.9M | $511.1M |
| Deposits / shares | $84.4M | $453.9M |
| Capital ratio | 8.30% | 10.25% (stronger) |
| Problem loans | 4.53% | 0.09% (stronger) |
| Net charge-offs | 0.06% | -0.02% (stronger) |
| Return on assets | -0.27% | 1.58% (stronger) |
| Loans ÷ deposits | 35.9% (stronger) | 58.8% |
| Uninsured deposits | 15.9% (stronger) | 40.4% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Americus has the higher TellerScore (77 vs 27). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Randolph County leads on 2 and Citizens Bank of Americus on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.