CITIZENS COMMUNITY BANK

HAHIRA, GA | Small | Est. Feb. 21, 1927, midnight | FDIC #12079 | RSSD #564838 | FDIC
Latest Report: 2025-12-31

CITIZENS COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in HAHIRA, GA, established in Feb. 21, 1927, midnight. As of 2025-12-31, the bank reported total assets of $210M and total deposits of $189M. Profitability stands at 1.52% ROA and 19.86% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 13.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.79% and a Texas Ratio of 6.84%. FDIC Certificate #12079.

Assets

$210M

Deposits

$189M

Loans

$132M

Equity

$14M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 19.86%
Net Interest Margin (NIM) 4.45%
Yield on Assets 6.13%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.79%
Net Charge-Off Ratio 0.04%
Texas Ratio 6.84%
NPA Ratio 0.50%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 13.10%
Tier 1 Capital 13.10%
Total Capital Ratio 14.22%
Leverage Ratio 9.01%
Loan-to-Deposit 69.88%

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