Citizens Bank of the South

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 60th largest bank in the state of Georgia. It is also the 2,305th largest bank in the nation. It was established in 1965 and as of June of 2022, it had grown to 61 employees at 4 locations. Citizens Bank of the South has an A+ health rating.


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Health Grade Components

FDIC Certificate #19420
Year Established1965
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.39%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$334.5MM$319.2MM
LoansQ2 2022vs Q2 2021$196.1MM$198.5MM
DepositsQ2 2022vs Q2 2021$301.8MM$285.9MM
Equity CapitalQ2 2022vs Q2 2021$32.4MM$32.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.9MM$2.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$407.00K$625.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$370.00K
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Citizens Bank of the South Savings Account Rates

0.50%*-$25kThe Educators Way
OTHER TIERS: 0.25% $25k+

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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