Citizens Bank of the South
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of the South is an FDIC-insured commercial bank headquartered in Sandersville, GA, established in 1965 (FDIC certificate 19420), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $395.1M, up 14.2% from Q2 2025, the 54th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 17.59% 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
- 19420
- Headquarters
- Sandersville, GA
- Established
- 1965
- Total assets, Q2 2026
- $395.1M
- Assets vs Q2 2025
- +14.2%
- CET1 ratio, Q2 2026
- 17.59%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061101197
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of the South Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 54th of 121 in Georgia
Citizens Bank of the South, based in Sandersville, Georgia, reported $395 million in assets at June 30, 2026, up 14.2% from a year earlier. It grew deposits 16.9% over the year, 4.2 times the median of 4.1% for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 4.72 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
Net income for the quarter rose 23% from a year earlier, to $1.6 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.45% of loans, against 0.20% a year earlier.
As of June 30, 2026, Citizens Bank of the South reported a CET1 capital ratio of 17.59%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.62%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Citizens Bank of the South is the 54th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $395.1M, loans rose 2.8% and deposits rose 0.8%. 1-4 family residential loans made up 43.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.5%. The FDIC Summary of Deposits lists 3 offices for it, in Sandersville, GA, Statesboro, GA and Milledgeville, GA; its Sandersville office books 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank of the South meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 132 S Harris St, Sandersville, GA 31082
- County
- Washington
- 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
- May 3, 1965
- Former names
- Citizens Bank of Washington County (1972-2017)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $345.6M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $64K
- Average total assets
- $407.4M
- Average total loans
- $296.1M
- Average interest-bearing deposits
- $235.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 1965
- FDIC Cert
- 19420
- Fed RSSD
- 367431
- Website
- www.cbots.com →
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
Over the 12 quarters to Q2 2026, Citizens Bank of the South's total assets ran between $305.4M (Q3 2023) and $395.5M (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
$395.1M total assets against $345.8M; $346.7M total liabilities against $302.1M.
$300.0M net loans and leases against $261.6M; $345.6M total deposits against $295.7M.
$46.2M securities against $41.1M; $33.3M cash and balances due against $28.5M.
$6.2M total interest income against $5.5M; $1.6M total interest expense against $1.2M.
$4.7M net interest income against $4.3M.
$371K total noninterest income against $346K; $2.9M total noninterest expense against $2.8M.
$60K provision for credit losses against $55K.
$1.6M net income against $1.3M.
1.57% return on assets against 1.52%; 4.72% net interest margin against 5.17%.
17.59% CET1 capital ratio against 18.13%; 11.94% tier 1 leverage ratio against 12.89%.
Inside the full Citizens Bank of the South terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank of the South rankings
Its closest position to the top of a national ranking is 521 of 2,134, for CET1 ratio; its furthest is 1,989 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.32% (Q1 2025) to 1.92% (Q4 2025) and its net interest margin ran from 4.72% (Q2 2026) to 5.17% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.59% | 1.57% | 0.45% | 2.62% | 4.72% |
| Q1 2026 | 17.31% | 1.54% | 0.40% | 2.34% | 4.98% |
| Q4 2025 | 18.39% | 1.92% | 0.20% | 1.11% | 5.08% |
| Q3 2025 | 18.09% | 1.63% | 0.23% | 1.31% | 5.08% |
| Q2 2025 | 18.13% | 1.52% | 0.20% | 1.14% | 5.17% |
| Q1 2025 | 18.15% | 1.32% | 0.23% | 1.29% | 4.92% |
| Q4 2024 | 18.98% | 1.67% | 0.24% | 1.28% | 4.91% |
| Q3 2024 | 18.93% | 1.39% | 0.18% | 1.01% | 4.86% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Citizens Bank of the South (main office) | Sandersville , GA | 31082 | $209.5M |
| Statesboro Branch | Statesboro , GA | 30461 | $109.9M |
| Milledgeville Branch | Milledgeville , GA | 31061 | $26.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 74 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Citizens Bank of the South
What are Citizens Bank of the South's total assets?
As of the Q2 2026 filing, Citizens Bank of the South reported total assets of $395.1 million in its FFIEC call report.
Where is Citizens Bank of the South headquartered?
It is headquartered in Sandersville, GA, United States.
When was Citizens Bank of the South founded?
It was established in 1965, per the FDIC institution directory.
Is Citizens Bank of the South FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of the South?
Citizens Bank of the South's primary federal regulator is the FDIC.
What is Citizens Bank of the South's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank of the South operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of the South's Texas Ratio?
Its Texas Ratio is 2.62% 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 Citizens Bank of the South previously called?
The charter now named Citizens Bank of the South has also operated as Citizens Bank of Washington County (1972-2017), per FDIC structure-change records.
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