Citizens Bank of Americus
Total assets
$511.1M
▲ +3.7% YoY
Deposits
$453.9M
▲ +2.9% YoY
Loans
$266.8M
▲ +9.3% YoY
Offices
3
CBA BANKSHARES INC
ROA (annualized)
1.58%
peers 1.28%
ROE (annualized)
16.95%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +9.3% | +5.3% | +3.9 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 16.9% | 12.4% | +4.5 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
Profile
- Established
- 1937
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CBA BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 119 N Lee St, Americus, GA, 31709
- County
- Sumter
- Metro area
- Americus, GA
- Offices
- 3
- FDIC cert #
- 15477
- RSSD ID
- 19936
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $511.1M | $453.9M | $266.8M | $48.5M | $4.0M | 1.58% | 3.80% | 0.05% |
| Q1 2026 | $506.5M | $450.7M | $257.4M | $47.1M | $1.9M | 1.52% | 3.68% | 0.13% |
| Q4 2025 | $504.9M | $450.2M | $260.5M | $46.6M | $7.3M | 1.50% | 3.66% | 0.12% |
| Q3 2025 | $489.2M | $435.6M | $247.6M | $44.8M | $5.5M | 1.51% | 3.66% | 0.23% |
| Q2 2025 | $492.9M | $441.1M | $244.1M | $42.7M | $3.7M | 1.51% | 3.63% | 0.36% |
| Q1 2025 | $483.6M | $433.7M | $237.4M | $41.0M | $1.8M | 1.52% | 3.59% | 0.16% |
| Q4 2024 | $473.1M | $426.1M | $245.2M | $38.7M | $6.5M | 1.47% | 3.66% | 0.12% |
| Q3 2024 | $435.5M | $387.6M | $251.5M | $39.1M | $4.8M | 1.48% | 3.68% | 0.13% |
Loan mix (Q2 2026): real estate $211.1M · commercial $39.0M · consumer $5.1M · securities $106.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 61.2% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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