Side-by-side · Q2 2026 data
The Citizens Bank of Swainsboro vs Pineland Bank
Metric by metric
| Measure | The Citizens Bank of Swainsboro | Pineland Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 73 (stronger) | 55 |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 93 (stronger) | 86 |
| Funding & liquidity | 69 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 82nd | 61st |
| Total assets | $420.5M | $597.1M |
| Deposits / shares | $365.1M | $532.6M |
| Capital ratio | 12.29% (stronger) | 10.48% |
| Problem loans | 0.36% (stronger) | 0.49% |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 1.83% (stronger) | 1.66% |
| Loans ÷ deposits | 80.3% | 78.2% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 26.3% |
| Offices | 4 | 7 |
| 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), The Citizens Bank of Swainsboro leads on 6 and Pineland Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.