Side-by-side · Q2 2026 data
Pineland Bank vs The Citizens Bank of Georgia
Metric by metric
| Measure | Pineland Bank | The Citizens Bank of Georgia |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 55 | 65 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 86 | 94 (stronger) |
| Funding & liquidity | 70 | 80 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 61st | 88th |
| Total assets | $597.1M | $598.5M |
| Deposits / shares | $532.6M | $531.3M |
| Capital ratio | 10.48% | 11.49% (stronger) |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 1.66% | 1.86% (stronger) |
| Loans ÷ deposits | 78.2% | 60.6% (stronger) |
| Uninsured deposits | 26.3% (stronger) | 33.1% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.6% |
The Citizens Bank of Georgia has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Pineland Bank leads on 1 and The Citizens Bank of Georgia on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.