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Citizens Community Bank
Hahira, GA · FDIC Certificate #12079 · Chartered 02/2
Total assets
$221.94M
Total deposits
$200.03M
Total equity
$14.70M
Net loans
$134.87M
Branches (offices)
4
Net income (YTD)
$1.57M
Rank: #2,853 of 4,213 U.S. banks by assets · #84 of 123 in Georgia. Assets changed 8.9% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 22.03% |
| Net interest margin (YTD) | 4.27% |
| Equity to assets | 6.62% |
| Tier 1 leverage ratio | 8.94% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.89% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 67.4% |
| Real estate loans (share of loans) | 88.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $119.00M | 88.2% | |
| Commercial & industrial | $12.64M | 9.4% | |
| Consumer / individual | $4.83M | 3.6% | |
| Construction & development | $14.62M | 10.8% | |
| Agricultural | $40.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $196.61M | $184.57M | $821.00K | $11.86M |
| Jun 2023 | $189.59M | $176.80M | $888.00K | $12.44M |
| Jun 2024 | $191.50M | $172.34M | $1.10M | $14.53M |
| Jun 2025 | $203.72M | $186.47M | $1.14M | $16.13M |
| Jun 2026 | $221.94M | $200.03M | $1.57M | $14.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $200.03M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $200.03M.
Similar-sized banks
West Iowa Bank ($222.09M) · Farmers And Drovers Bank ($221.92M)
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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