This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Atlanta, GA
Health score
82.9
Total assets
$790.3M
Bank
Watkinsville, GA
Health score
70.9
Total assets
$744.1M
Answer first
Citizens Trust Bank leads on financial health and capitalization and profitability and lending quality; Oconee State Bank leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Citizens Trust Bank
Higher TFS health score
Capitalization
Citizens Trust Bank
Higher comparable capital ratio
Profitability
Citizens Trust Bank
Higher return on assets
Lending quality
Citizens Trust Bank
Lower problem-loan measure
Growth
Oconee State Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Citizens Trust Bank | Oconee State Bank |
|---|---|---|
| TFS health score | 82.9/100Leads | 70.9/100 |
| Total assets | $790.3M | $744.1M |
| Total deposits / shares | $678.1M | $658.3M |
| Tier 1 capital ratio | 13.24%Leads | 9.98% |
| Return on assets | 1.58%Leads | 0.81% |
| Return on equity | 12.31%Leads |
Citizens Trust Bank
7 branches
Oconee State Bank
7 branches
Both institutions report branches in 1 state: GA.
Citizens Trust Bank
Unavailable
Oconee State Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Citizens Trust Bank
0 in TFS registry
Oconee State Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Citizens Trust Bank score | Citizens Trust Bank ROA | Oconee State Bank score | Oconee State Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 2.15% | — | 0.93% |
| 2024-Q4 | — | 2.11% | — | 0.89% |
| 2025-Q1 | — | 1.78% | — | 0.71% |
| 2025-Q2 | — | 1.76% | — | 0.95% |
| 2025-Q3 | — | 1.79% | — | 1.03% |
| 2025-Q4 | — | 1.80% | — | 0.98% |
| 2026-Q1 | 82.5/100 | 1.52% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 8.87% |
| Non-performing loans | 1.63%Leads | 2.83% |
| Net charge-offs | 0.04% | 0.02%Leads |
| Efficiency ratio | 54.11%Leads | 72.97% |
| Loan-to-deposit ratio | 56.76% | 81.61% |
| Asset growth (YoY) | 1.60% | 11.04%Leads |
| Deposit / share growth (YoY) | -0.13% | 11.70%Leads |
| Branches | 7 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 72.5/100 |
| 0.71% |
| 2026-Q2 | 82.9/100 | 1.58% | 70.9/100 | 0.81% |