Citizens Bank of the South
Sandersville, GA
IDRSSD: 367431
Total Assets
$362.21M
Latest filing
Total Deposits
$309.36M
Latest filing
Net Interest Margin
5.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061101197SANDERSVILLE, GA
Key People
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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 01/30/2026Established 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 | 62 |
| 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 | 01/30/2026 |
| CERT | 19420 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $362.21M |
| Total Deposits | $309.36M |
| Total Liabilities | $314.97M |
| Total Equity Capital | $47.24M |
| Net Income | $1.77M |
| Net Loans and Leases | $279.47M |
| Assets Per Employee ($Millions) | $5.84M |
| Bank Premises and Fixed Assets | $7.20M |
| Cash and Balances due from Depository Institutions | $31.35M |
| Deposits Held in Domestic Offices | $309.36M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 15.29% |
| Net Interest Margin | 5.22% |
| Efficiency Ratio | 54.7% |
| Tier 1 Risk-Based Capital Ratio | 18.404% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.31% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.041% |
| Earning Assets to total Assets | 95.24% |
Income and Expense
| Total Interest Income | $5.88M |
| Total Noninterest Income | $673.00k |
| Total Interest Expense | $1.36M |
| Total Noninterest Expense | $2.84M |
| Net Interest Income | $4.52M |
| Pre-tax Net Operating Income | $2.07M |
| Provision for Credit Losses | $280.00k |
| 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 | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $605.00k |
| Total Liabilities and Capital | $362.21M |
Securities
| Securities | $36.65M |
| Available-for-sale debt securities | $36.65M |
| 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 Citizens Bank of the South?
$362.21M as of the latest filing.
How much are Citizens Bank of the South's total deposits?
$309.36M 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)?
1.95%.
How much are total loans and leases?
$279.47M (latest filing).
What is the total interest income (latest filing)?
$5.88M.