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Citizens Community Bank

Hahira, GA
IDRSSD: 564838
Total Assets
$206.87M
Latest filing
Total Deposits
$187.43M
Latest filing
Net Interest Margin
4.61%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date02/21/1927
Community BankYes
Ownership TypeNot Mutual
ZIP31632
State and County Number13185
Subchapter S CorporationsYes
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 NameValdosta, GA

Operational Info

Number of Employees46
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.ccbga.bank
Data Updated11/14/2025
CERT12079
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$206.87M
Total Deposits$187.43M
Total Liabilities$188.68M
Total Equity Capital$18.20M
Net Income$788.00k
Net Loans and Leases$127.64M
Assets Per Employee ($Millions)$4.81M
Bank Premises and Fixed Assets$1.73M
Cash and Balances due from Depository Institutions$14.10M
Deposits Held in Domestic Offices$187.43M

Key Performance Ratios

Return on Assets (ROA)1.54%
Return on Equity (ROE)18.37%
Net Interest Margin4.61%
Efficiency Ratio65.52%
Tier 1 Risk-Based Capital Ratio17.251%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.18%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.795%
Earning Assets to total Assets91.91%

Income and Expense

Total Interest Income$2.95M
Total Noninterest Income$372.00k
Total Interest Expense$765.00k
Total Noninterest Expense$1.67M
Net Interest Income$2.18M
Pre-tax Net Operating Income$788.00k
Provision for Credit Losses$93.00k
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$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.25M
Total Liabilities and Capital$206.87M

Securities

Securities$57.37M
Available-for-sale debt securities$57.37M
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 Community Bank?
$206.87M as of the latest filing.
How much are Citizens Community Bank's total deposits?
$187.43M in total deposits.
Where is Citizens Community Bank located?
Hahira, GA.
What is the Net Interest Margin?
4.61%.
How many domestic offices does it operate?
4.
When was it established?
02/21/1927.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$127.64M (latest filing).
What is the total interest income (latest filing)?
$2.95M.