Side-by-side · Q2 2026 data
The Citizens Bank of Swainsboro vs River City Bank
Metric by metric
| Measure | The Citizens Bank of Swainsboro | River City Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 73 (stronger) | 51 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 93 (stronger) | 89 |
| Funding & liquidity | 69 (stronger) | 60 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 82nd | 68th |
| Total assets | $420.5M | $423.4M |
| Deposits / shares | $365.1M | $380.9M |
| Capital ratio | 12.29% (stronger) | 10.15% |
| Problem loans | 0.36% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.02% (stronger) |
| Return on assets | 1.83% (stronger) | 1.71% |
| Loans ÷ deposits | 80.3% (stronger) | 86.2% |
| Uninsured deposits | 24.9% (stronger) | 27.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.1% |
The Citizens Bank of Swainsboro has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Swainsboro leads on 5 and River City Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.