FDIC Cert #19420 · Sandersville, Georgia · Est. 1965

Citizens Bank of the South - FDIC Bank Health Profile

A community-scale look at Citizens Bank of the South's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$362M
Total assets
A
Health grade · Excellent
1.61%
Return on assets
18.4%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank of the South earns a PlainBankData health grade of A (97/100), with well-capitalized at 18.39% Tier 1, profitable at 1.61% ROA, efficient (59% cost ratio).

#2,234
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
18.39%
Tier 1 ratio - above the 10% well-capitalized line
79th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 19420 · GA A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #204/4307
  • PHOTO-FINISH Texas State Bank · TX
  • TIER1-WELL 18.4% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-STRONG 1.61% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Texas State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank of the South

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank · MT · near97/100Citizens Bank of the… · GA ·…97/100Heartland Bank and T… · IL ·…97/100Texas State Bank · TX · near97/100Zapata National Bank · TX · …97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank of the South · July 2026

Call Report read for Citizens Bank of the South in a high-failure state

Citizens Bank of the South (FDIC Cert #19420) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #204 of 4,307. Tier 1 capital prints at 18.39%, clearing the 10% well-capitalized line. The Texas Ratio is 1.11%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.61%. Balance-sheet scale is $362M, 2,234th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Texas State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank of the South

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Citizens Bank of the South sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Citizens Bank of the South's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How Citizens Bank of the South's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Citizens Bank of the South's composite health score
Tier 1 Capital Ratio (18.39%) 40/40
Return on Assets (ROA) (1.61%) 25/25
Texas Ratio (1.11%) 20/20
Efficiency Ratio (59.18%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$362M

Total balance-sheet footings

Total Deposits

$309M

Customer-funded liabilities

Net Loans

$279M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.99% 18.39% 19.79%
Basel III capital ratios - Citizens Bank of the South

Where Citizens Bank of the South ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of the South's score of 97/100 falls in the highlighted band.

Citizens Bank of the South: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 5% higher than 95% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Citizens Bank of the South 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank of the South's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank of the South's $362M falls in the highlighted band.

Capital & credit buffers at Citizens Bank of the South

Tier 1 capital ratio
Well-capitalized 10%

18.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.39%
Texas Ratio
1.11%
Equity Capital
$47M

What these ratios mean →

Earnings posture at Citizens Bank of the South

Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
12.73%
Efficiency Ratio
59.18%

What these mean →

Income & expense at Citizens Bank of the South

$22M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of the South reports a Texas Ratio of 1.11% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.11% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank of the South on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($362M here), outside Georgia so the neighborhood is not state containment.

Shelby County State Bank $362M · IL Community First National Bank $362M · KS Commercial Bank and Trust of PA $362M · PA Peoples Bank of Kankakee County $362M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank of the South (FDIC Cert #19420) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank of the South Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%