Side-by-side · Q2 2026 data
Georgia First Bank vs The Citizens Bank of Swainsboro
Metric by metric
| Measure | Georgia First Bank | The Citizens Bank of Swainsboro |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 45 | 73 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 94 (stronger) | 93 |
| Funding & liquidity | 53 | 69 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 61st | 82nd |
| Total assets | $290.8M | $420.5M |
| Deposits / shares | $259.5M | $365.1M |
| Capital ratio | 9.52% | 12.29% (stronger) |
| Problem loans | 0.07% (stronger) | 0.36% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.86% (stronger) | 1.83% |
| Loans ÷ deposits | 93.1% | 80.3% (stronger) |
| Uninsured deposits | 27.6% | 24.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Swainsboro has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Georgia First Bank leads on 3 and The Citizens Bank of Swainsboro on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.