CITIZENS COMMUNITY BANK is an 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%. CET1 capital ratio: 13.10%, well above regulatory minimums. NPL ratio: 0.79% · Texas Ratio: 6.84%.
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