CITIZENS BANK OF THE SOUTH is an 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%. CET1 capital ratio: 18.39%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 1.11%. Operates 3 domestic branches.
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