The Citizens Bank of Swainsboro
Swainsboro, GA
IDRSSD: 268136
Total Assets
$412.94M
Latest filing
Total Deposits
$359.95M
Latest filing
Net Interest Margin
5.13%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank of Swainsboro
121 N Main St
Swainsboro, GA 30401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1900FDIC Certificate 7209
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank of Swainsboro (Main) | 121 N Main St | Swainsboro, GA |
| DUBLIN BRANCH | 1210 Hillcrest Pkwy | Dublin, GA |
| STATESBORO BRANCH | 1101 Brampton Ave | Statesboro, GA |
| DUBLIN BRANCH | 101 W Jackson St | Dublin, GA |
| SWAINSBORO SOUTH MAIN DRIVE-THRU BRANCH | 571 South Main Street | Swainsboro, GA |
Showing 4 of 4
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 | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30401 |
| State and County Number | 13107 |
| 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 | N/A |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 5 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbs-lc.com |
| Data Updated | 01/30/2026 |
| CERT | 11295 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $412.94M |
| Total Deposits | $359.95M |
| Total Liabilities | $364.17M |
| Total Equity Capital | $48.77M |
| Net Income | $2.03M |
| Net Loans and Leases | $284.89M |
| Assets Per Employee ($Millions) | $6.45M |
| Bank Premises and Fixed Assets | $4.99M |
| Cash and Balances due from Depository Institutions | $60.91M |
| Deposits Held in Domestic Offices | $359.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 17% |
| Net Interest Margin | 5.13% |
| Efficiency Ratio | 52.29% |
| Tier 1 Risk-Based Capital Ratio | 18.672% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.809% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $6.48M |
| Total Noninterest Income | $515.00k |
| Total Interest Expense | $1.48M |
| Total Noninterest Expense | $2.88M |
| Net Interest Income | $5.00M |
| Pre-tax Net Operating Income | $2.47M |
| Provision for Credit Losses | $165.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.23M |
| Total Liabilities and Capital | $412.94M |
Securities
| Securities | $52.41M |
| Available-for-sale debt securities | $52.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank of Swainsboro?
$412.94M as of the latest filing.
How much are The Citizens Bank of Swainsboro's total deposits?
$359.95M in total deposits.
Where is The Citizens Bank of Swainsboro located?
Swainsboro, GA.
What is the Net Interest Margin?
5.13%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$284.89M (latest filing).
What is the total interest income (latest filing)?
$6.48M.