The Citizens Bank Of Georgia

Overview / Commentary

www.citizbank.com

770-886-9500

651 Veterans Memorial Boulevard
Cumming, GA 30040

The Citizens Bank Of Georgia is headquartered in Cumming and is the 46^th largest bank in the state of Georgia. It is also the 2,057^th largest bank in the nation. It was established in 1997 and as of December of 2019, it had grown to 53 employees at 4 locations. The Citizens Bank Of Georgia's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	34229
Year Established	1997
Employees	53
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.39%
Return on Equity - YTD	13.11%
Annual Interest Income	$13.9MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$324.7MM$303.9MM
Loans	Q4 2019vs Q4 2018	$210.8MM$197.7MM
Deposits	Q4 2019vs Q4 2018	$288.3MM$271.4MM
Equity Capital	Q4 2019vs Q4 2018	$35.9MM$30.5MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.9MM$2.9MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$0$302.00K
Real Estate Owned	Q4 2019vs Q4 2018	$282.00K$282.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Citizens Bank Of Georgia Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Savings
0.15%	$100	-	Business Savings

The Citizens Bank Of Georgia Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$500k^*	-	Citizens Money Market
OTHER TIERS: 0.40% → Up to $500k
0.40%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.17% → Up to $10k \| 0.22% → $10k - $100k
0.27%^*	$100k^*	-	Commercial Money Market
OTHER TIERS: 0.25% → Up to $100k

The Citizens Bank Of Georgia Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	Citizens Checking
0.15%	-	-	Interest Checking

The Citizens Bank Of Georgia CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.56%	$500	-	3 Year CD
1.56%	$500	-	4 Year CD
1.56%	$500	-	5 Year CD
1.56%	$500	-	Business 3 Year CD
1.56%	$500	-	Business 4 Year CD
1.56%	$500	-	Business 5 Year CD
1.31%	$500	-	2 Year CD
1.31%	$500	-	Business 2 Year CD
0.55%	$500	-	1 Year CD
0.55%	$500	-	Business 1 Year CD
0.30%	$500	-	90 Day CD
0.30%	$500	-	180 Day CD
0.30%	$500	-	Business 90 Day CD
0.30%	$500	-	Business 180 Day CD
0.20%	$500	-	30 Day CD
0.20%	$500	-	Business 30 Day CD

The Citizens Bank Of Georgia IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.56%	$500	-	3 Year IRA
1.56%	$500	-	4 Year IRA
1.56%	$500	-	5 Year IRA
1.31%	$500	-	2 Year IRA
0.55%	$500	-	1 Year IRA
0.30%	$500	-	180 Day IRA

Locations

The Citizens Bank Of Georgia Locations
Canton Branch	11950 Cumming Highway	Canton, GA 30115
Martin Road Branch	4255 Ga Highway 400	Cumming, GA 30040
Midway Branch	5140 Highway 9	Alpharetta, GA 30004
The Citizens Bank Of Forsyth County	651 Veterans Memorial Boulevard	Cumming, GA 30040

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