Banks CITIZENS COMMUNITY BANK

CITIZENS COMMUNITY BANK

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

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%.

Assets
$210M
Deposits
$189M
Loans
$132M
Equity
$14M

Profitability

Return on Assets (ROA)1.52%
Return on Equity (ROE)19.86%
Net Interest Margin4.45%
Yield on Assets6.13%
Cost of Funds1.66%

Asset Quality

NPL Ratio0.79%
Net Charge-Off Ratio0.04%
Texas Ratio6.84%
NPA Ratio0.50%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio13.10%
Tier 1 Capital13.10%
Total Capital Ratio14.22%
Leverage Ratio9.01%
Loan-to-Deposit69.88%

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