Visbanking Logo

Citizens Bank of Americus

Americus, GA
IDRSSD: 19936
Total Assets
$489.19M
Latest filing
Total Deposits
$435.56M
Latest filing
Net Interest Margin
3.70%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

American Commerce Bank, National Association
Bremen, Georgia
→
Assets: $500.37MΔ +1.5%
First National Bank of Coffee County
Douglas, Georgia
→
Assets: $503.13MΔ +2.1%
First State Bank
Wrens, Georgia
→
Assets: $481.49MΔ -2.3%
Bank of Dudley
Dudley, Georgia
→
Assets: $459.37MΔ -6.8%
Planters First Bank
Cordele, Georgia
→
Assets: $442.77MΔ -10.2%
Bank of Madison
Madison, Georgia
→
Assets: $435.20MΔ -11.7%

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date03/01/1937
Community BankYes
Ownership TypeNot Mutual
ZIP31709
State and County Number13261
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameAmericus, GA

Operational Info

Number of Employees47
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance03/19/1937
Primary Insurance AgencyDIF
Websitewww.cbkamericus.com
Data Updated11/14/2025
CERT15477
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$489.19M
Total Deposits$435.56M
Total Liabilities$444.37M
Total Equity Capital$44.82M
Net Income$1.84M
Net Loans and Leases$247.62M
Assets Per Employee ($Millions)$10.41M
Bank Premises and Fixed Assets$3.86M
Cash and Balances due from Depository Institutions$119.90M
Deposits Held in Domestic Offices$435.56M

Key Performance Ratios

Return on Assets (ROA)1.5%
Return on Equity (ROE)16.83%
Net Interest Margin3.7%
Efficiency Ratio49.56%
Tier 1 Risk-Based Capital Ratio17.675%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.162%
Earning Assets to total Assets95.92%

Income and Expense

Total Interest Income$6.49M
Total Noninterest Income$525.00k
Total Interest Expense$2.13M
Total Noninterest Expense$2.42M
Net Interest Income$4.35M
Pre-tax Net Operating Income$2.36M
Provision for Credit Losses$100.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$342.00k
Other borrowed funds$5.09M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.71M
Total Liabilities and Capital$489.19M

Securities

Securities$104.74M
Available-for-sale debt securities$104.19M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$552.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Citizens Bank of Americus?
$489.19M as of the latest filing.
How much are Citizens Bank of Americus's total deposits?
$435.56M in total deposits.
Where is Citizens Bank of Americus located?
Americus, GA.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
3.
When was it established?
03/01/1937.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$247.62M (latest filing).
What is the total interest income (latest filing)?
$6.49M.