CITIZENS BANK OF THE SOUTH

SANDERSVILLE, GA | Small | Est. May 3, 1965, midnight | FDIC #19420 | RSSD #367431 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF THE SOUTH is asn small FDIC-insured commercial bank headquartered in SANDERSVILLE, GA, established in May 3, 1965, midnight. As of 2025-12-31, the bank reported total assets of $362M and total deposits of $309M. Profitability stands at 1.95% ROA and 15.29% ROE, with a net interest margin of 5.41%. The bank's CET1 capital ratio is 18.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.11%. FDIC Certificate #19420.

Assets

$362M

Deposits

$309M

Loans

$283M

Equity

$47M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 15.29%
Net Interest Margin (NIM) 5.41%
Yield on Assets 7.04%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.11%
NPA Ratio 0.16%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 18.39%
Tier 1 Capital 18.39%
Total Capital Ratio 19.64%
Leverage Ratio 12.87%
Loan-to-Deposit 91.53%

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