$295M
+15.8%y/y
Percentile by value38th percentileby value
FDIC
LNLSGRCB
Citizens Bank of the South
Sandersville, GeorgiaFDIC Cert #19420
STATEEstablished 19653 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$292M
+15.9%y/y
Percentile by value38th percentileby value
FDIC
LNLSNET+15.93%
+80.1%y/y
Percentile by value88th percentileby value
FDIC
LNLSNET85.1%
+0.5%y/y
Percentile by value61st percentileby value
FDIC
LNLSNET + DEP73.8%
−0.2%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET + ASSET88.92%
+1.9%y/y
Percentile by value62nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
160%
+10.5%y/y
Percentile by value47th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC77%
−19.8%y/y
Percentile by value82nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,393points
−9.2%y/y
Peer standing38th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD15.64%
+28.2%y/y
Percentile by value67th percentileby value
FDIC
LNRENROW + LNLSGR9.32%
+52.4%y/y
Percentile by value33rd percentileby value
FDIC
LNRENROT + LNLSGR7.88%
−13.1%y/y
Percentile by value40th percentileby value
FDIC
LNCI + LNLSGR