Side-by-side · Q2 2026 data
South Georgia Banking Company vs The Citizens Bank of Georgia
Metric by metric
| Measure | South Georgia Banking Company | The Citizens Bank of Georgia |
|---|---|---|
| TellerScore | 85 | 85 |
| Capital cushion | 89 (stronger) | 65 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 85 | 94 (stronger) |
| Funding & liquidity | 75 | 80 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 88th | 88th |
| Total assets | $570.1M | $598.5M |
| Deposits / shares | $487.6M | $531.3M |
| Capital ratio | 13.86% (stronger) | 11.49% |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.63% | 1.86% (stronger) |
| Loans ÷ deposits | 80.9% | 60.6% (stronger) |
| Uninsured deposits | 18.6% (stronger) | 33.1% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 1.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), South Georgia Banking Company leads on 2 and The Citizens Bank of Georgia on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.