Citizens Bank of the South
Sandersville, GA
IDRSSD: 367431
Total Assets
$364.59M
Latest filing
Total Deposits
$312.42M
Latest filing
Net Interest Margin
5.22%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank of the South
132 S Harris St
Sandersville, GA 31082
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/03/1965FDIC Certificate 13223
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank of the South (Main) | 132 S Harris St | Sandersville, GA |
| STATESBORO BRANCH | 425 Commerce Dr | Statesboro, GA |
| MILLEDGEVILLE BRANCH | 121 Executive Pkwy | Milledgeville, 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 | 05/03/1965 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31082 |
| State and County Number | 13303 |
| 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 | 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 | 05/03/1965 |
| Primary Insurance Agency | DIF |
| Website | www.cbots.com |
| Data Updated | 11/14/2025 |
| CERT | 19420 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $364.59M |
| Total Deposits | $312.42M |
| Total Liabilities | $319.18M |
| Total Equity Capital | $45.41M |
| Net Income | $1.47M |
| Net Loans and Leases | $274.15M |
| Assets Per Employee ($Millions) | $5.88M |
| Bank Premises and Fixed Assets | $7.80M |
| Cash and Balances due from Depository Institutions | $34.54M |
| Deposits Held in Domestic Offices | $312.42M |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 13.14% |
| Net Interest Margin | 5.22% |
| Efficiency Ratio | 58.06% |
| Tier 1 Risk-Based Capital Ratio | 18.093% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.456% |
| Earning Assets to total Assets | 95.35% |
Income and Expense
| Total Interest Income | $5.79M |
| Total Noninterest Income | $363.00k |
| Total Interest Expense | $1.38M |
| Total Noninterest Expense | $2.77M |
| Net Interest Income | $4.42M |
| Pre-tax Net Operating Income | $1.94M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.76M |
| Total Liabilities and Capital | $364.59M |
Securities
| Securities | $41.37M |
| Available-for-sale debt securities | $41.37M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank of the South?
$364.59M as of the latest filing.
How much are Citizens Bank of the South's total deposits?
$312.42M in total deposits.
Where is Citizens Bank of the South located?
Sandersville, GA.
What is the Net Interest Margin?
5.22%.
How many domestic offices does it operate?
3.
When was it established?
05/03/1965.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$274.15M (latest filing).
What is the total interest income (latest filing)?
$5.79M.