CITIZENS BANK OF GEORGIA, THE

CUMMING, GA | Medium | Est. Feb. 3, 1997, midnight | FDIC #34229 | RSSD #2505451 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF GEORGIA, THE is amn medium FDIC-insured commercial bank headquartered in CUMMING, GA, established in Feb. 3, 1997, midnight. As of 2025-12-31, the bank reported total assets of $617M and total deposits of $554M. Profitability stands at 1.94% ROA and 19.73% ROE, with a net interest margin of 4.24%. The bank's CET1 capital ratio is 17.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #34229.

Assets

$617M

Deposits

$554M

Loans

$319M

Equity

$62M

Profitability

Return on Assets (ROA) 1.94%
Return on Equity (ROE) 19.73%
Net Interest Margin (NIM) 4.24%
Yield on Assets 5.54%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 17.44%
Tier 1 Capital 17.44%
Total Capital Ratio 18.60%
Leverage Ratio 10.50%
Loan-to-Deposit 57.64%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required