The Citizens Bank of Swainsboro
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Swainsboro is an FDIC-insured commercial bank headquartered in Swainsboro, GA (FDIC certificate 11295), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $420.5M, up 4.9% from Q2 2025, the 48th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 18.92% 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
- 11295
- Headquarters
- Swainsboro, GA
- Established
- Not reported
- Total assets, Q2 2026
- $420.5M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 18.92%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 061203558
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Swainsboro Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- SWAINSBORO BANKSHARES, INC.
- Asset rank in state
- 48th of 121 in Georgia
The Citizens Bank of Swainsboro earns an unusually wide margin on its lending. Its balance sheet stood at $420 million at June 30, 2026, up 4.9% from a year earlier; it is based in Swainsboro, Georgia. It keeps 4.96 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also earns about $1.89 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.36% of loans, against 0.08% a year earlier. The commercial and industrial book ($41 million) is worsening: 1.62% of it is past due or on nonaccrual, up from 0.78% a year earlier.
As of June 30, 2026, The Citizens Bank of Swainsboro reported a CET1 capital ratio of 18.92%, a return on assets of 1.89%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 1.91%. The figures come from its call report filed with the FFIEC.
The Citizens Bank of Swainsboro ranks as the 48th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $420.5M, loans rose 1.4% and deposits fell 0.2%. 1-4 family residential loans made up 36.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 14.2%. Its 5 offices in the FDIC Summary of Deposits are in Swainsboro, GA, Dublin, GA and Statesboro, GA; its Swainsboro 2 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens Bank of Swainsboro meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 121 N Main St, Swainsboro, GA 30401
- County
- Emanuel
- 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
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $365.1M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $62K
- Average total assets
- $419.5M
- Average total loans
- $297.6M
- Average interest-bearing deposits
- $261.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11295
- Fed RSSD
- 268136
- Website
- www.cbs-lc.com →
- Parent Holding Company
- SWAINSBORO BANKSHARES, INC. (RSSD 1976607)
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 Swainsboro's total assets ranged from $325.7M (Q3 2023) to $420.5M (Q2 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
$420.5M total assets against $400.8M; $369.8M total liabilities against $356.7M.
$293.2M net loans and leases against $276.5M; $365.1M total deposits against $352.7M.
$53.1M securities against $46.1M; $58.0M cash and balances due against $63.0M.
$6.4M total interest income against $6.3M; $1.5M total interest expense against $1.4M.
$5.0M net interest income against $4.9M.
$715K total noninterest income against $586K; $3.0M total noninterest expense against $2.8M.
$180K provision for credit losses against $120K.
$2.0M net income against $2.0M.
1.89% return on assets against 2.02%; 4.96% net interest margin against 5.11%.
18.92% CET1 capital ratio against 17.51%; 12.29% tier 1 leverage ratio against 11.44%.
Inside the full The Citizens Bank of Swainsboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens Bank of Swainsboro rankings
Its closest position to the top of a national ranking is 627 of 3,611, for ROA; its furthest is 2,295 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.77% (Q1 2025) to 2.02% (Q2 2025) and its net interest margin ran from 4.84% (Q1 2026) to 5.30% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.92% | 1.89% | 0.36% | 1.91% | 4.96% |
| Q1 2026 | 18.51% | 1.80% | 0.14% | 0.76% | 4.84% |
| Q4 2025 | 18.67% | 1.98% | 0.12% | 0.63% | 5.09% |
| Q3 2025 | 17.97% | 1.91% | 0.11% | 0.59% | 5.18% |
| Q2 2025 | 17.51% | 2.02% | 0.08% | 0.44% | 5.11% |
| Q1 2025 | 17.15% | 1.77% | 0.12% | 0.69% | 4.85% |
| Q4 2024 | 17.63% | 1.99% | 0.11% | 0.60% | 5.14% |
| Q3 2024 | 17.30% | 1.87% | 0.09% | 0.52% | 5.30% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Swainsboro | Swainsboro , GA | 30401 | $203.1M |
| Dublin Branch | Dublin , GA | 31021 | $80.0M |
| Statesboro Branch | Statesboro , GA | 30458 | $72.1M |
| Dublin Branch | Dublin , GA | 31021 | $9.9M |
| Swainsboro South Main Drive-Thru Branch | Swainsboro , GA | 30401 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 69 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $4.2M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Swainsboro
What are The Citizens Bank of Swainsboro's total assets?
As of the Q2 2026 filing, The Citizens Bank of Swainsboro reported total assets of $420.5 million in its FFIEC call report.
Where is The Citizens Bank of Swainsboro headquartered?
It is headquartered in Swainsboro, GA, United States.
Is The Citizens Bank of Swainsboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11295). 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 Swainsboro?
The Citizens Bank of Swainsboro's primary federal regulator is the FDIC.
What is The Citizens Bank of Swainsboro's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.92% 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 Swainsboro operate?
It operates 5 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 Swainsboro's Texas Ratio?
Its Texas Ratio is 1.91% 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.
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