Side-by-side · Q2 2026 data
The Citizens Bank of Swainsboro vs Touchmark National Bank
Metric by metric
| Measure | The Citizens Bank of Swainsboro | Touchmark National Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 38 |
| Capital cushion | 73 | 81 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 93 (stronger) | 38 |
| Funding & liquidity | 69 (stronger) | 27 |
| Problem-loan coverage | 96 (stronger) | 22 |
| Peer percentile | 82nd | 2nd |
| Total assets | $420.5M | $416.9M |
| Deposits / shares | $365.1M | $356.4M |
| Capital ratio | 12.29% | 13.11% (stronger) |
| Problem loans | 0.36% (stronger) | 5.07% |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 1.83% (stronger) | 0.45% |
| Loans ÷ deposits | 80.3% (stronger) | 88.3% |
| Uninsured deposits | 24.9% (stronger) | 55.0% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Swainsboro has the higher TellerScore (82 vs 38). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Swainsboro leads on 6 and Touchmark National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.