BanksCITIZENS BANK OF THE SOUTH

CITIZENS BANK OF THE SOUTH

SANDERSVILLE, GASmallEst. May 3, 1965, midnightFDIC #19420RSSD #367431FDIC
Latest · 2025-12-31

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.

Assets
$362M
Deposits
$309M
Loans
$283M
Equity
$47M

Profitability

Return on Assets (ROA)1.95%
Return on Equity (ROE)15.29%
Net Interest Margin5.41%
Yield on Assets7.04%
Cost of Funds1.72%

Asset Quality

NPL Ratio0.20%
Net Charge-Off Ratio0.04%
Texas Ratio1.11%
NPA Ratio0.16%
ACL / Loans1.30%

Capital & Liquidity

CET1 Ratio18.39%
Tier 1 Capital18.39%
Total Capital Ratio19.64%
Leverage Ratio12.87%
Loan-to-Deposit91.53%

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