Citizens Community Bank
Hahira, GA
IDRSSD: 564838
Total Assets
$218.14M
Latest filing
Total Deposits
$196.80M
Latest filing
Net Interest Margin
4.30%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061209552HAHIRA, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Community Bank
120 W Main St
Hahira, GA 31632
Full Service - Brick and Mortar
Updated 04/10/2026Established 02/21/1927FDIC Certificate 7676
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Community Bank (Main) | 120 W Main St | Hahira, GA |
| MORVEN BRANCH | 130 Main St | Morven, GA |
| VALDOSTA BRANCH | 3261 N Valdosta Rd | Valdosta, GA |
| BAYTREE BRANCH | 1210 Baytree Rd | Valdosta, GA |
Showing 3 of 3
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 | 02/21/1927 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31632 |
| State and County Number | 13185 |
| Subchapter S Corporations | Yes |
| 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 | Valdosta, GA |
Operational Info
| Number of Employees | 44 |
| Domestic Offices | 4 |
| 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.ccbga.bank |
| Data Updated | 04/10/2026 |
| CERT | 12079 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $218.14M |
| Total Deposits | $196.80M |
| Total Liabilities | $203.90M |
| Total Equity Capital | $14.24M |
| Net Income | $833.00k |
| Net Loans and Leases | $134.85M |
| Assets Per Employee ($Millions) | $4.54M |
| Bank Premises and Fixed Assets | $1.71M |
| Cash and Balances due from Depository Institutions | $21.23M |
| Deposits Held in Domestic Offices | $196.80M |
Key Performance Ratios
| Return on Assets (ROA) | 1.56% |
| Return on Equity (ROE) | 23.78% |
| Net Interest Margin | 4.3% |
| Efficiency Ratio | 62.66% |
| Tier 1 Risk-Based Capital Ratio | 13.404% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.527% |
| Earning Assets to total Assets | 92.58% |
Income and Expense
| Total Interest Income | $2.97M |
| Total Noninterest Income | $323.00k |
| Total Interest Expense | $845.00k |
| Total Noninterest Expense | $1.53M |
| Net Interest Income | $2.12M |
| Pre-tax Net Operating Income | $823.00k |
| Provision for Credit Losses | $90.00k |
| 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 | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.11M |
| Total Liabilities and Capital | $218.14M |
Securities
| Securities | $54.01M |
| Available-for-sale debt securities | $54.01M |
| 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 Community Bank?
$218.14M as of the latest filing.
How much are Citizens Community Bank's total deposits?
$196.80M in total deposits.
Where is Citizens Community Bank located?
Hahira, GA.
What is the Net Interest Margin?
4.30%.
How many domestic offices does it operate?
4.
When was it established?
02/21/1927.
What is the Return on Assets (ROA)?
1.56%.
How much are total loans and leases?
$134.85M (latest filing).
What is the total interest income (latest filing)?
$2.97M.