Side-by-side · Q2 2026 data
The Citizens Bank of Swainsboro vs First Bank of Coastal Georgia
Metric by metric
| Measure | The Citizens Bank of Swainsboro | First Bank of Coastal Georgia |
|---|---|---|
| TellerScore | 82 (stronger) | 59 |
| Capital cushion | 73 (stronger) | 41 |
| Loan quality | 88 | 88 |
| Earnings | 93 (stronger) | 29 |
| Funding & liquidity | 69 (stronger) | 64 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 82nd | 17th |
| Total assets | $420.5M | $215.7M |
| Deposits / shares | $365.1M | $189.7M |
| Capital ratio | 12.29% (stronger) | 9.07% |
| Problem loans | 0.36% | 0.35% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.06% |
| Return on assets | 1.83% (stronger) | 0.23% |
| Loans ÷ deposits | 80.3% | 37.3% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 47.9% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Swainsboro has the higher TellerScore (82 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Swainsboro leads on 5 and First Bank of Coastal Georgia on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.