Citizens Bank of the South

Overview / Commentary
132 South Harris Street
Sandersville, GA 31082

Citizens Bank of the South is headquartered in SANDERSVILLE and is the 65th largest bank in the state of Georgia. It is also the 2,436th largest bank in the nation. It was established in 1965 and as of December of 2023, it had grown to 60 employees at 4 locations. Citizens Bank of the South has a B+ health rating.


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Health Grade Components

FDIC Certificate #19420
Year Established1965
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD12.09%
Annual Interest Income$16.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$310.6MM$327.4MM
LoansQ4 2023vs Q4 2022$226MM$198.1MM
DepositsQ4 2023vs Q4 2022$271.4MM$293MM
Equity CapitalQ4 2023vs Q4 2022$38.4MM$34.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$3.3MM$2.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$710K$668K
Real Estate OwnedQ4 2023vs Q4 2022$0$43K

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Citizens Bank of the South Locations
Citizens Bank Of Washington County132 S Harris StSandersville, GA 31082
Southside Branch818 South Harris StreetSandersville, GA 31082
Citizens Bank Of Bulloch County425 Commerce DriveStatesboro, GA 30461
Milledgeville Branch121 Executive ParkwayMilledgeville, GA 31061

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