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Citizens Bank Of The South
Sandersville, GA · FDIC Certificate #19420 · Chartered 05/0
Total assets
$395.07M
Total deposits
$345.62M
Total equity
$48.35M
Net loans
$300.05M
Branches (offices)
3
Net income (YTD)
$3.04M
Rank: #2,081 of 4,213 U.S. banks by assets · #54 of 123 in Georgia. Assets changed 14.2% and deposits 16.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 12.79% |
| Net interest margin (YTD) | 5.00% |
| Equity to assets | 12.24% |
| Tier 1 leverage ratio | 11.94% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 86.8% |
| Real estate loans (share of loans) | 87.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $262.59M | 87.5% | |
| Commercial & industrial | $26.73M | 8.9% | |
| Consumer / individual | $11.57M | 3.9% | |
| Construction & development | $36.06M | 12.0% | |
| Agricultural | $111.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $334.54M | $301.78M | $1.20M | $32.40M |
| Jun 2023 | $320.16M | $283.88M | $2.09M | $35.43M |
| Jun 2024 | $312.17M | $271.55M | $2.15M | $39.59M |
| Jun 2025 | $345.83M | $295.74M | $2.40M | $43.75M |
| Jun 2026 | $395.07M | $345.62M | $3.04M | $48.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $345.62M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $345.62M.
Similar-sized banks
Southern Independent Bank ($395.28M) · First Westroads Bank, Inc. ($394.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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