CITIZENS BANK OF SWAINSBORO, THE
CITIZENS BANK OF SWAINSBORO, THE is an FDIC-insured commercial bank headquartered in SWAINSBORO, GA, established in 1900. As of , 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 5.06%. CET1 capital ratio: 18.67%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 0.73%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Citizens Bank of Swainsboro, 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 | 18.67% | 1.97% | 0.14% | 0.73% | 5.06% |
| 2025-09-30 | 17.97% | 1.89% | 0.14% | 0.79% | 5.14% |
| 2025-06-30 | 17.51% | 1.98% | 0.08% | 0.44% | 5.09% |
| 2025-03-31 | 17.15% | 1.74% | 0.11% | 0.61% | 4.81% |
| 2024-12-31 | 17.63% | 1.97% | 0.10% | 0.58% | 5.11% |
| 2024-09-30 | 17.30% | 1.86% | 0.08% | 0.46% | 5.28% |
| 2024-06-30 | 16.60% | 1.78% | 0.12% | 0.75% | 5.13% |
| 2024-03-31 | 16.75% | 1.73% | 0.19% | 1.13% | 4.95% |
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Frequently asked about CITIZENS BANK OF SWAINSBORO, THE
What are Citizens Bank of Swainsboro, the's total assets?
As of the Q4 2025 filing, Citizens Bank of Swainsboro, the reported total assets of $412.9 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 Swainsboro, the headquartered?
Citizens Bank of Swainsboro, the is headquartered in SWAINSBORO, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of Swainsboro, the founded?
Citizens Bank of Swainsboro, the was established in 1900, per the FDIC institution directory.
Is Citizens Bank of Swainsboro, the FDIC-insured?
Yes. Citizens Bank of Swainsboro, the is an FDIC-insured commercial bank (FDIC Certificate #11295). 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 Swainsboro, the?
Citizens Bank of Swainsboro, 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 Swainsboro, the's CET1 capital ratio?
Citizens Bank of Swainsboro, the reported a Common Equity Tier 1 (CET1) capital ratio of 18.67% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank of Swainsboro, the operate?
Citizens Bank of Swainsboro, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank of Swainsboro, the's Texas Ratio?
Citizens Bank of Swainsboro, the's Texas Ratio is 0.73% — 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.