CITIZENS BANK OF SWAINSBORO, THE

CITIZENS BANK OF SWAINSBORO, THE is asn small FDIC-insured commercial bank headquartered in SWAINSBORO, GA, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $413M and total deposits of $360M. Profitability stands at 1.97% ROA and 17.00% ROE, with a net interest margin of 5.29%. The bank's CET1 capital ratio is 18.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.62%. FDIC Certificate #11295.