Your personal experience appears to differ from peer-reviewed studies...
Also the cause of that is far from established. For instance religious belief and ethnic background are strongly correlated, and ethnic background is more strongly correlated with IQ than IQ is with religious belief. How much of an effect does this have? It is hard to quantify.
Therefore I wouldn't put much weight on those studies. Don't pat yourself on the back too much for being an atheist, because it doesn't say much either way for your intelligence.
(Disclaimer. I am an atheist. But I know plenty of people who are much more intelligent than me who are strongly religious.)