Side-by-side · Q2 2026 data
The Geo. D. Warthen Bank vs Citizens Bank of the South
Metric by metric
| Measure | The Geo. D. Warthen Bank | Citizens Bank of the South |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 80 (stronger) | 69 |
| Loan quality | 58 | 85 (stronger) |
| Earnings | 64 | 83 (stronger) |
| Funding & liquidity | 83 (stronger) | 56 |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 53rd | 64th |
| Total assets | $190.3M | $395.1M |
| Deposits / shares | $162.9M | $345.6M |
| Capital ratio | 13.01% (stronger) | 11.94% |
| Problem loans | 1.27% | 0.45% (stronger) |
| Net charge-offs | 0.23% | 0.04% (stronger) |
| Return on assets | 1.10% | 1.58% (stronger) |
| Loans ÷ deposits | 64.9% (stronger) | 86.8% |
| Uninsured deposits | 25.7% (stronger) | 30.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of the South has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Geo. D. Warthen Bank leads on 3 and Citizens Bank of the South on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sandersville, GA