CITIZENS BANK OF GEORGIA, THE
CITIZENS BANK OF GEORGIA, THE is an FDIC-insured commercial bank headquartered in CUMMING, GA, established in 1997. As of , 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 3.97%. CET1 capital ratio: 17.44%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.03%. Operates 4 domestic branches.
Capital & Liquidity
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Citizens Bank of Georgia, the rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 17.44% | 1.94% | 0.01% | 0.03% | 3.97% |
| 2025-09-30 | 17.38% | 1.81% | 0.00% | 0.00% | 3.95% |
| 2025-06-30 | 17.39% | 1.64% | 0.00% | 0.00% | 3.81% |
| 2025-03-31 | 17.60% | 1.51% | 0.01% | 0.03% | 3.65% |
| 2024-12-31 | 17.07% | 1.55% | 0.00% | 0.00% | 3.63% |
| 2024-09-30 | 17.74% | 1.48% | 0.00% | 0.00% | 3.61% |
| 2024-06-30 | 17.23% | 1.37% | 0.00% | 0.00% | 3.48% |
| 2024-03-31 | 16.62% | 1.30% | 0.00% | 0.00% | 3.35% |
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Frequently asked about CITIZENS BANK OF GEORGIA, THE
What are Citizens Bank of Georgia, the's total assets?
As of the Q4 2025 filing, Citizens Bank of Georgia, the reported total assets of $617.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank of Georgia, the headquartered?
Citizens Bank of Georgia, the is headquartered in CUMMING, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of Georgia, the founded?
Citizens Bank of Georgia, the was established in 1997, per the FDIC institution directory.
Is Citizens Bank of Georgia, the FDIC-insured?
Yes. Citizens Bank of Georgia, the 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 Citizens Bank of Georgia, the?
Citizens Bank of Georgia, the'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 Citizens Bank of Georgia, the's CET1 capital ratio?
Citizens Bank of Georgia, the reported a Common Equity Tier 1 (CET1) capital ratio of 17.44% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank of Georgia, the operate?
Citizens Bank of Georgia, the operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank of Georgia, the's Texas Ratio?
Citizens Bank of Georgia, the's Texas Ratio is 0.03% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.