Side-by-side · Q2 2026 data
Queensborough National Bank & Trust Company vs Citizens Bank of the South
Bank
Queensborough National Bank & Trust Company
Louisville, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | Queensborough National Bank & Trust Company | Citizens Bank of the South |
|---|---|---|
| TellerScore | 62 | 76 (stronger) |
| Capital cushion | 36 | 69 (stronger) |
| Loan quality | 80 | 85 (stronger) |
| Earnings | 64 | 83 (stronger) |
| Funding & liquidity | 64 (stronger) | 56 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 27th | 64th |
| Total assets | $2.3B | $395.1M |
| Deposits / shares | $2.1B | $345.6M |
| Capital ratio | 8.64% | 11.94% (stronger) |
| Problem loans | 0.59% | 0.45% (stronger) |
| Net charge-offs | 0.04% | 0.04% (stronger) |
| Return on assets | 1.09% | 1.58% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 86.8% |
| Uninsured deposits | 41.0% | 30.8% (stronger) |
| Offices | 24 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Citizens Bank of the South has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Queensborough National Bank & Trust Company leads on 1 and Citizens Bank of the South on 6. 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.
Where both have branches
- Sandersville, GA
- Statesboro, GA