Citizens Community Bank (Hahira, GA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Community Bank is an FDIC-insured commercial bank headquartered in Hahira, GA, established in 1927 (FDIC certificate 12079), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $221.9M, up 8.9% from Q2 2025, the 83rd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 13.57% 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
- 12079
- Headquarters
- Hahira, GA
- Established
- 1927
- Total assets, Q2 2026
- $221.9M
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 13.57%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061209552
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Community Bank call report
- Holding company
- CCB BANCSHARES, INC.
- Asset rank in state
- 83rd of 121 in Georgia
Problem loans are rising at Citizens Community Bank. Based in Hahira, Georgia, it had $222 million in assets at June 30, 2026, up 8.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.54% a year earlier. It funds 8.94% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 20.3% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Unrealized losses on its securities total $5.6 million, equal to 27% of Tier 1 capital, against 31% a year earlier. Loans are outrunning deposits: over the year loans rose 11.9% and deposits rose 7.3%. Credit is the area to watch: it carries problem assets equal to 7.4% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Citizens Community Bank reported a CET1 capital ratio of 13.57%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 7.44%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Community Bank is the 83rd largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $221.9M, loans rose 0.1% and deposits rose 1.6%. 1-4 family residential loans made up 37.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.6%. The FDIC Summary of Deposits lists 4 offices for it, in Valdosta, GA, Hahira, GA and Morven, GA; its Valdosta 2 offices book 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 W Main St, Hahira, GA 31632
- County
- Lowndes
- Metro Area
- Valdosta, 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 21, 1927
- Former names
- Citizens Bank of Hahira (1936-1983)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $200.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $56K
- Average total assets
- $227.1M
- Average total loans
- $135.9M
- Average interest-bearing deposits
- $134.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12079
- Fed RSSD
- 564838
- Website
- www.ccbga.bank →
- Parent Holding Company
- CCB BANCSHARES, INC. (RSSD 1084696)
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 Community Bank's total assets ran between $186.4M (Q3 2024) and $221.9M (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
$221.9M total assets against $203.7M; $207.2M total liabilities against $187.6M.
$134.9M net loans and leases against $120.6M; $200.0M total deposits against $186.5M.
$57.9M securities against $57.5M; $20.2M cash and balances due against $17.8M.
$3.0M total interest income against $2.8M; $872K total interest expense against $761K.
$2.1M net interest income against $2.1M.
$312K total noninterest income against $300K; $1.6M total noninterest expense against $1.6M.
$90K provision for credit losses against $99K.
$736K net income against $695K.
1.30% return on assets against 1.30%; 4.03% net interest margin against 4.21%.
13.57% CET1 capital ratio against 17.12%; 8.94% tier 1 leverage ratio against 10.99%.
Inside the full Citizens Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Community Bank rankings
Its closest position to the top of a national ranking is 900 of 3,640, for Texas Ratio; its furthest is 2,464 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q1 2025) to 1.51% (Q1 2026) and its net interest margin ran from 3.91% (Q3 2024) to 4.42% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.57% | 1.30% | 0.89% | 7.44% | 4.03% |
| Q1 2026 | 13.40% | 1.51% | 0.77% | 6.60% | 4.10% |
| Q4 2025 | 13.10% | 1.48% | 0.79% | 6.84% | 4.31% |
| Q3 2025 | 17.25% | 1.48% | 0.81% | 5.28% | 4.42% |
| Q2 2025 | 17.12% | 1.30% | 0.54% | 3.78% | 4.21% |
| Q1 2025 | 17.59% | 0.84% | 0.58% | 3.90% | 4.02% |
| Q4 2024 | 17.81% | 1.10% | 0.51% | 3.63% | 3.92% |
| Q3 2024 | 19.07% | 0.94% | 0.60% | 3.59% | 3.91% |
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 |
|---|---|---|---|
| Valdosta Branch | Valdosta , GA | 31602 | $83.2M |
| Citizens Community Bank (main office) | Hahira , GA | 31632 | $80.8M |
| Baytree Branch | Valdosta , GA | 31602 | $24.3M |
| Morven Branch | Morven , GA | 31638 | $11.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 1983 | Structure Change | Acquired The Citizens Bank of Morven, Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 111 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Citizens Community Bank
What are Citizens Community Bank's total assets?
As of the Q2 2026 filing, Citizens Community Bank reported total assets of $221.9 million in its FFIEC call report.
Where is Citizens Community Bank headquartered?
It is headquartered in Hahira, GA, United States.
When was Citizens Community Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Citizens Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Community Bank?
Citizens Community Bank's primary federal regulator is the FDIC.
What is Citizens Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Community Bank 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 Citizens Community Bank's Texas Ratio?
Its Texas Ratio is 7.44% 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 Community Bank previously called?
The charter now named Citizens Community Bank has also operated as Citizens Bank of Hahira (1936-1983), per FDIC structure-change records.
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