CITIZENS BANK OF THE SOUTH
CITIZENS BANK OF THE SOUTH is an FDIC-insured commercial bank headquartered in SANDERSVILLE, GA, established in 1965. As of , 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 5.08%. CET1 capital ratio: 18.39%, well above regulatory minimums. NPL ratio: 0.28% · Texas Ratio: 1.56%. Operates 3 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 the South rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 | 18.39% | 1.95% | 0.28% | 1.56% | 5.08% |
| 2025-09-30 | 18.09% | 1.65% | 0.31% | 1.78% | 5.07% |
| 2025-06-30 | 18.13% | 1.52% | 0.29% | 1.65% | 5.16% |
| 2025-03-31 | 18.15% | 1.29% | 0.34% | 1.86% | 4.91% |
| 2024-12-31 | 18.98% | 1.70% | 0.35% | 1.86% | 4.93% |
| 2024-09-30 | 18.93% | 1.43% | 0.30% | 1.63% | 4.89% |
| 2024-06-30 | 18.79% | 1.45% | 0.35% | 1.94% | 4.89% |
| 2024-03-31 | 18.44% | 1.27% | 0.46% | 2.57% | 4.72% |
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Frequently asked about CITIZENS BANK OF THE SOUTH
What are Citizens Bank of the South's total assets?
As of the Q4 2025 filing, Citizens Bank of the South reported total assets of $362.2 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 the South headquartered?
Citizens Bank of the South is headquartered in SANDERSVILLE, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of the South founded?
Citizens Bank of the South was established in 1965, per the FDIC institution directory.
Is Citizens Bank of the South FDIC-insured?
Yes. Citizens Bank of the South is an FDIC-insured commercial bank (FDIC Certificate #19420). 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 the South?
Citizens Bank of the South'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 the South's CET1 capital ratio?
Citizens Bank of the South reported a Common Equity Tier 1 (CET1) capital ratio of 18.39% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank of the South operate?
Citizens Bank of the South operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank of the South's Texas Ratio?
Citizens Bank of the South's Texas Ratio is 1.56% — 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.