Citizens Bank of the South


Overview / Commentary
478-552-5116
132 South Harris Street
Sandersville, GA 31082

Citizens Bank of the South is headquartered in SANDERSVILLE and is the 62nd largest bank in the state of Georgia. It is also the 2,308th largest bank in the nation. It was established in 1965 and as of March of 2025, it had grown to 64 employees at 3 locations. Citizens Bank of the South has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #19420
Year Established1965
Employees64
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD10.32%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$340.6MM$322.3MM
LoansQ1 2025vs Q1 2024$251.6MM$231.2MM
DepositsQ1 2025vs Q1 2024$297.1MM$282.8MM
Equity CapitalQ1 2025vs Q1 2024$42.5MM$38.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.5MM$3.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$593K$787K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


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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