The Citizens Bank of Georgia
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Georgia is an FDIC-insured commercial bank headquartered in Cumming, GA, supervised by the FDIC, with $598.5M in total assets at Q2 2026, up 1.4% from Q2 2025, the 28th largest of 121 banks headquartered in Georgia. It was established in 1997 and holds FDIC certificate 34229. Its CET1 capital ratio was 18.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34229
- Headquarters
- Cumming, GA
- Established
- 1997
- Total assets, Q2 2026
- $598.5M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 18.76%
- Domestic offices
- 4 · The Citizens Bank of Georgia branches FDIC institution directory, current count
- Routing number
- 061104929
- Safety and soundness
- Is The Citizens Bank of Georgia safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Georgia Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- FORSYTH BANCSHARES, INC.
- Asset rank in state
- 28th of 121 in Georgia
The Citizens Bank of Georgia runs leaner than most banks of its size. Based in Cumming, Georgia, it had $599 million in assets at June 30, 2026, up 1.4% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%).
Net income for the quarter rose 22% from a year earlier, to $2.9 million. Over the same year, loans grew 10.7% and deposits shrank 0.3%.
As of June 30, 2026, The Citizens Bank of Georgia reported a CET1 capital ratio of 18.76%, a return on assets of 1.89%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens Bank of Georgia is the 28th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets fell 3.8% to $598.5M, loans rose 0.5% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.8% of total loans, followed by 1-4 family residential loans at 24.5%. The FDIC Summary of Deposits lists 4 offices for it, in Cumming, GA, Alpharetta, GA and Canton, GA; its Cumming 2 offices book 77% of its branch deposits. Judged on its Q2 2026 call report, The Citizens Bank of Georgia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 651 Veterans Memorial Blvd, Cumming, GA 30040
- County
- Forsyth
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 3, 1997
- Former names
- The Citizens Bank of Georgia (2018)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $531.3M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $617.6M
- Average total loans
- $327.4M
- Average interest-bearing deposits
- $327.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 1997
- FDIC Cert
- 34229
- Fed RSSD
- 2505451
- SEC CIK
- 1021479 → filed by FORSYTH BANCSHARES, INC.
- Website
- www.citizbank.com →
- Parent Holding Company
- FORSYTH BANCSHARES, INC. (RSSD 2497211)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Citizens Bank of Georgia's total assets ranged from $518.6M (Q4 2023) to $622.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$598.5M total assets against $590.2M; $533.0M total liabilities against $534.3M.
$321.9M net loans and leases against $290.6M; $531.3M total deposits against $532.9M.
$235.5M securities against $246.8M; $28.7M cash and balances due against $40.6M.
$7.8M total interest income against $7.3M; $1.7M total interest expense against $1.8M.
$6.1M net interest income against $5.5M.
$290K total noninterest income against $272K; $2.4M total noninterest expense against $2.5M.
$60K provision for credit losses against $40K.
$2.9M net income against $2.4M.
1.89% return on assets against 1.62%; 4.10% net interest margin against 3.84%.
18.76% CET1 capital ratio against 17.39%; 11.49% tier 1 leverage ratio against 10.49%.
Inside the full The Citizens Bank of Georgia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens Bank of Georgia rankings
Its closest position to the top of a national ranking is 138 of 3,606, for efficiency ratio; its furthest is 3,400 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.46% (Q3 2024) to 1.93% (Q4 2025) and its net interest margin ran from 3.63% (Q3 2024) to 4.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.76% | 1.89% | 0.00% | 0.00% | 4.10% |
| Q1 2026 | 18.09% | 1.78% | 0.00% | 0.00% | 3.95% |
| Q4 2025 | 17.44% | 1.93% | 0.00% | 0.00% | 3.99% |
| Q3 2025 | 17.38% | 1.79% | 0.00% | 0.00% | 4.00% |
| Q2 2025 | 17.39% | 1.62% | 0.00% | 0.00% | 3.84% |
| Q1 2025 | 17.60% | 1.51% | 0.00% | 0.00% | 3.71% |
| Q4 2024 | 17.07% | 1.52% | 0.00% | 0.00% | 3.68% |
| Q3 2024 | 17.74% | 1.46% | 0.00% | 0.00% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank of Georgia | Cumming , GA | 30040 | $371.0M |
| Midway Branch | Alpharetta , GA | 30004 | $72.0M |
| Canton Branch | Canton , GA | 30115 | $49.6M |
| Martin Road Branch | Cumming , GA | 30028 | $38.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 48 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 60 loans originated, $41.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $787K approved, $787K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens Bank of Georgia
What are The Citizens Bank of Georgia's total assets?
As of the Q2 2026 filing, The Citizens Bank of Georgia reported total assets of $598.5 million in its FFIEC call report.
Where is The Citizens Bank of Georgia headquartered?
It is headquartered in Cumming, GA, United States.
When was The Citizens Bank of Georgia founded?
It was established in 1997, per the FDIC institution directory.
Is The Citizens Bank of Georgia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Georgia?
The Citizens Bank of Georgia's primary federal regulator is the FDIC.
What is The Citizens Bank of Georgia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank of Georgia operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Georgia's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Citizens Bank of Georgia previously called?
The charter now named The Citizens Bank of Georgia has also operated as The Citizens Bank of Georgia (2018), per FDIC structure-change records.
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