The Citizens Bank of Georgia: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Georgia runs leaner than most banks of its size. Based in Cumming, Georgia, it had $599 million in assets at June 30, 2026, up 1.4% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 22% from a year earlier, to $2.9 million. Over the same year, loans grew 10.7% and deposits shrank 0.3%.
As of June 30, 2026, The Citizens Bank of Georgia reported a CET1 capital ratio of 18.76%, a return on assets of 1.89%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 651 Veterans Memorial Blvd, Cumming, GA 30040
- County
- Forsyth
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 3, 1997
- Former names
- The Citizens Bank of Georgia (2018)
- Offices
- 4 domestic
- Employees (FTE)
- 57
- Domestic deposits
- $531.3M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $617.6M
- Average total loans
- $327.4M
- Average interest-bearing deposits
- $327.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 1997
- FDIC Cert
- 34229
- Fed RSSD
- 2505451
- SEC CIK
- 1021479 → filed by FORSYTH BANCSHARES, INC.
- Website
- www.citizbank.com →
- Parent Holding Company
- FORSYTH BANCSHARES, INC. (RSSD 2497211)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens Bank of Georgia terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens Bank of Georgia, freeThe Citizens Bank of Georgia rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Citizens Bank of Georgia: Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.76% | 1.89% | 0.00% | 0.00% | 4.10% |
| Q1 2026 | 18.09% | 1.78% | 0.00% | 0.00% | 3.95% |
| Q4 2025 | 17.44% | 1.93% | 0.00% | 0.00% | 3.99% |
| Q3 2025 | 17.38% | 1.79% | 0.00% | 0.00% | 4.00% |
| Q2 2025 | 17.39% | 1.62% | 0.00% | 0.00% | 3.84% |
| Q1 2025 | 17.60% | 1.51% | 0.00% | 0.00% | 3.71% |
| Q4 2024 | 17.07% | 1.52% | 0.00% | 0.00% | 3.68% |
| Q3 2024 | 17.74% | 1.46% | 0.00% | 0.00% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank of Georgia | Cumming , GA | 30040 | $371.0M |
| Midway Branch | Alpharetta , GA | 30004 | $72.0M |
| Canton Branch | Canton , GA | 30115 | $49.6M |
| Martin Road Branch | Cumming , GA | 30028 | $38.7M |
Regulatory record
What the public regulatory sources show for The Citizens Bank of Georgia, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in GA, rank 48 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 60 loans originated, $41.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $787K approved, $787K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Citizens Bank of Georgia
What are The Citizens Bank of Georgia's total assets?
As of the Q2 2026 filing, The Citizens Bank of Georgia reported total assets of $598.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens Bank of Georgia headquartered?
The Citizens Bank of Georgia is headquartered in Cumming, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Citizens Bank of Georgia founded?
The Citizens Bank of Georgia was established in 1997, per the FDIC institution directory.
Is The Citizens Bank of Georgia FDIC-insured?
Yes. The Citizens Bank of Georgia is an FDIC-insured commercial bank (FDIC Certificate #34229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Georgia?
The Citizens Bank of Georgia's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Citizens Bank of Georgia's CET1 capital ratio?
The Citizens Bank of Georgia reported a Common Equity Tier 1 (CET1) capital ratio of 18.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank of Georgia operate?
The Citizens Bank of Georgia operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Georgia's Texas Ratio?
The Citizens Bank of Georgia's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Citizens Bank of Georgia previously called?
The charter now named The Citizens Bank of Georgia has also operated as The Citizens Bank of Georgia (2018), per FDIC structure-change records.
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