Citizens Bank of the South
Capital moved notably last quarter — CET1 ratio of 17.31% was down 108bps from the prior quarter. Citizens Bank of the South is a locally rooted FDIC-insured community bank based in Sandersville, GA, during the postwar banking-system expansion. On its most recent Q1 2026 call report, Citizens Bank of the South reported $395M in total assets against $343M in deposits. The bank posts a strong 1.54% ROA and 12.21% ROE. Regulatory capital is solid — 17.31% CET1 and 18.56% total risk-based capital ratio. Asset quality is pristine — 0.48% NPLs and a 2.80% Texas Ratio. 3 branches make up the footprint.
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
- Fed District
- 5
- Established
- May 3, 1965
- Branches
- 3 domestic
- Employees (FTE)
- 61
- FDIC Cert
- 19420
- Fed RSSD
- 367431
- Website
- www.cbots.com →
Capital & Liquidity
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Citizens Bank of the South rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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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 Q1 2026 filing, Citizens Bank of the South reported total assets of $395.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank of the South headquartered?
Citizens Bank of the South is headquartered in SANDERSVILLE, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of the South founded?
Citizens Bank of the South was established in 1965, per the FDIC institution directory.
Is Citizens Bank of the South FDIC-insured?
Yes. Citizens Bank of the South 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank of the South's CET1 capital ratio?
Citizens Bank of the South reported a Common Equity Tier 1 (CET1) capital ratio of 17.31% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank of the South operate?
Citizens Bank of the South operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank of the South's Texas Ratio?
Citizens Bank of the South's Texas Ratio is 2.80% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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