The Citizens Bank Of Swainsboro vs Excel
Comparing a Bank in Swainsboro, GA with a Credit Union in Norcross, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Citizens Bank Of Swainsboro ↗ Bank · Swainsboro, GA · Est. 1900 | Excel ↗ Credit Union · Norcross, GA · Est. 1952 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Swainsboro, GA | Norcross, GA |
| Total assets | $418.9M | $173.2M |
| Capital ratio | 11.7% | 13.3% |
| Return on assets | 1.8% | 1.1% |
| Deposits | $365.7M | — |
| Branches | 5 | 10,387 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 124 | #1 of 72 |
| Established | 1900 | 1952 |
The Citizens Bank Of Swainsboro
- Assets: $418.9M
- Deposits: $365.7M
- Capital ratio: 11.7%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 124
Excel
- Assets: $173.2M
- Members: 10,387
- Capital ratio: 13.3%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 72
Are both institutions federally insured?
Yes. The Citizens Bank Of Swainsboro is FDIC-insured and Excel is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Citizens Bank Of Swainsboro or Excel?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Citizens Bank Of Swainsboro scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Citizens Bank Of Swainsboro safe?
Yes — The Citizens Bank Of Swainsboro is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Excel safe?
Yes — Excel is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Citizens Bank Of Swainsboro vs Excel?
The Citizens Bank Of Swainsboro has a capital ratio of 11.7%, placing it in the top 30% of $100M–1B peers. Excel's ratio is 13.3%, placing it in the top 25% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Citizens Bank Of Swainsboro have compared to Excel?
The CFPB database shows 0 complaints against The Citizens Bank Of Swainsboro, and 0 complaints against Excel. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Citizens Bank Of Swainsboro with other Banks in Georgia
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
