Citizens Bank of Americus
Americus, GA
IDRSSD: 19936
Total Assets
$504.88M
Latest filing
Total Deposits
$450.17M
Latest filing
Net Interest Margin
3.69%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank of Americus
119 N Lee St
Americus, GA 31709
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1937FDIC Certificate 9782
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank of Americus (Main) | 119 N Lee St | Americus, GA |
| WASHINGTON STREET BRANCH | 301 Washington St | Preston, GA |
| TRIPP STREET BRANCH | 106 Tripp St | Americus, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31709 |
| State and County Number | 13261 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Americus, GA |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/19/1937 |
| Primary Insurance Agency | DIF |
| Website | www.cbkamericus.com |
| Data Updated | 01/30/2026 |
| CERT | 15477 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $504.88M |
| Total Deposits | $450.17M |
| Total Liabilities | $458.31M |
| Total Equity Capital | $46.57M |
| Net Income | $1.83M |
| Net Loans and Leases | $260.50M |
| Assets Per Employee ($Millions) | $10.74M |
| Bank Premises and Fixed Assets | $3.88M |
| Cash and Balances due from Depository Institutions | $118.52M |
| Deposits Held in Domestic Offices | $450.17M |
Key Performance Ratios
| Return on Assets (ROA) | 1.47% |
| Return on Equity (ROE) | 16.01% |
| Net Interest Margin | 3.69% |
| Efficiency Ratio | 53.79% |
| Tier 1 Risk-Based Capital Ratio | 17.12% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.224% |
| Earning Assets to total Assets | 96.11% |
Income and Expense
| Total Interest Income | $6.39M |
| Total Noninterest Income | $515.00k |
| Total Interest Expense | $1.99M |
| Total Noninterest Expense | $2.65M |
| Net Interest Income | $4.41M |
| Pre-tax Net Operating Income | $2.13M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $136.00k |
| Other borrowed funds | $5.07M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.08M |
| Total Liabilities and Capital | $504.88M |
Securities
| Securities | $109.02M |
| Available-for-sale debt securities | $108.50M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $517.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank of Americus?
$504.88M as of the latest filing.
How much are Citizens Bank of Americus's total deposits?
$450.17M in total deposits.
Where is Citizens Bank of Americus located?
Americus, GA.
What is the Net Interest Margin?
3.69%.
How many domestic offices does it operate?
3.
When was it established?
03/01/1937.
What is the Return on Assets (ROA)?
1.47%.
How much are total loans and leases?
$260.50M (latest filing).
What is the total interest income (latest filing)?
$6.39M.