$395M
+16.1%y/y
Percentile by value27th percentileby value
FDIC
ASSETCB
Citizens Bank of the South
Sandersville, GeorgiaFDIC Cert #19420
STATEEstablished 19653 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens Bank of the South reported $395M in total assets. Deposits grew 15.38% over the prior year.
Return on assets was 1.52%, compared with an asset-peer median of 1.22%. The leverage ratio was 12.58%.
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$343M
+15.4%y/y
Percentile by value29th percentileby value
FDIC
DEP$292M
+15.9%y/y
Percentile by value38th percentileby value
FDIC
LNLSNET1.52%
+22 bpsy/y
Peer standing67th percentile
FDIC
NETINC + ROA58.97%
−492 bpsy/y
Peer standing60th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.58%
−32 bpsy/y
Peer standing76th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $319M | $286M |
| Q3 2021 | $326M | $292M |
| Q4 2021 | $325M | $291M |
| Q1 2022 | $350M | $317M |
| Q2 2022 | $335M | $302M |
| Q3 2022 | $331M | $297M |
| Q4 2022 | $327M | $293M |
| Q1 2023 | $321M | $286M |
| Q2 2023 | $320M | $284M |
| Q3 2023 | $305M | $267M |
| Q4 2023 | $311M | $271M |
| Q1 2024 | $322M | $283M |
| Q2 2024 | $312M | $272M |
| Q3 2024 | $322M | $280M |
| Q4 2024 | $339M | $296M |
| Q1 2025 | $341M | $297M |
| Q2 2025 | $346M | $296M |
| Q3 2025 | $365M | $312M |
| Q4 2025 | $362M | $309M |
| Q1 2026 | $395M | $343M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $46.2M |
| Investor CRE | $27.5M |
| Multifamily | $14.4M |
| Construction | $38.9M |
| 1–4 family | $125M |
| C&I | $23.3M |
| Agriculture | $7.22M |
| Other | $12.8M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.52%67th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE12.21%51st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.99%94th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.97%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+15.38%92nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+15.93%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%51st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ12.58%76th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.45%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC160%47th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.52%47th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 1.53%90th 2.40%Observations 128
ROE
FDIC
NETINC + ROE12.21%41st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.24%Median 14.35%90th 21.49%Observations 128
NIM
FDIC
NIM + NIMY4.99%82nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 4.46%90th 5.37%Observations 128
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.97%51st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.00%Median 59.09%90th 85.17%Observations 128
Deposits YoY
FDIC
DEP+15.38%84th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.29%Median +5.23%90th +19.07%Observations 127
Loans YoY
FDIC
LNLSNET+15.93%77th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +8.97%90th +23.88%Observations 126
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.44%90th 2.07%Observations 126
Leverage
FDIC
RBC1AAJ12.58%68th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.22%90th 15.62%Observations 128
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.45%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.30%90th 3.10%Observations 127
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC160%43rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 174%90th 268%Observations 85
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.52%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.90%Median 1.58%90th 2.47%Observations 59
ROE
FDIC
NETINC + ROE12.21%31st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.21%Median 15.56%90th 20.86%Observations 59
NIM
FDIC
NIM + NIMY4.99%84th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.55%Median 4.57%90th 5.17%Observations 59
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.97%36th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.33%Median 56.10%90th 66.88%Observations 59
Deposits YoY
FDIC
DEP+15.38%83rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.06%Median +6.49%90th +20.13%Observations 59
Loans YoY
FDIC
LNLSNET+15.93%77th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.65%Median +9.66%90th +27.75%Observations 58
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.28%90th 2.07%Observations 58
Leverage
FDIC
RBC1AAJ12.58%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.60%Median 11.04%90th 14.51%Observations 59
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.45%43rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.37%Median 2.32%90th 3.32%Observations 59
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC160%27th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 92%Median 198%90th 277%Observations 38
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Sandersville, GA
FDIC
OFFDOMOpen the Georgia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data