CITIZENS BANK OF AMERICUS

AMERICUS, GA | Medium | Est. March 1, 1937, midnight | FDIC #15477 | RSSD #19936 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF AMERICUS is amn medium FDIC-insured commercial bank headquartered in AMERICUS, GA, established in March 1, 1937, midnight. As of 2025-12-31, the bank reported total assets of $505M and total deposits of $450M. Profitability stands at 1.47% ROA and 16.01% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 17.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.24%. FDIC Certificate #15477.

Assets

$505M

Deposits

$450M

Loans

$265M

Equity

$47M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 16.01%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.59%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.14%
Texas Ratio 1.24%
NPA Ratio 0.12%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 17.12%
Tier 1 Capital 17.12%
Total Capital Ratio 18.37%
Leverage Ratio 10.31%
Loan-to-Deposit 58.76%

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