The Citizens Bank of Georgia
Cumming, GA
IDRSSD: 2505451
Total Assets
$616.85M
Latest filing
Total Deposits
$555.26M
Latest filing
Net Interest Margin
4.02%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank of Georgia
651 Veterans Memorial Blvd
Cumming, GA 30040
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/03/1997FDIC Certificate 56988
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank of Georgia (Main) | 651 Veterans Memorial Blvd | Cumming, GA |
| MIDWAY BRANCH | 5140 Highway 9 N | Alpharetta, GA |
| CANTON BRANCH | 11950 Cumming Hwy | Canton, GA |
| MARTIN ROAD BRANCH | 4255 Georgia Highway 400 | Cumming, 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 | 02/03/1997 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30040 |
| State and County Number | 13117 |
| 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 | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 60 |
| 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 | 02/03/1997 |
| Primary Insurance Agency | DIF |
| Website | www.citizbank.com |
| Data Updated | 11/14/2025 |
| CERT | 34229 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $616.85M |
| Total Deposits | $555.26M |
| Total Liabilities | $556.88M |
| Total Equity Capital | $59.97M |
| Net Income | $2.73M |
| Net Loans and Leases | $309.82M |
| Assets Per Employee ($Millions) | $10.64M |
| Bank Premises and Fixed Assets | $6.43M |
| Cash and Balances due from Depository Institutions | $47.39M |
| Deposits Held in Domestic Offices | $555.26M |
Key Performance Ratios
| Return on Assets (ROA) | 1.81% |
| Return on Equity (ROE) | 18.85% |
| Net Interest Margin | 4.02% |
| Efficiency Ratio | 39.15% |
| Tier 1 Risk-Based Capital Ratio | 17.381% |
| 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 | 9.722% |
| Earning Assets to total Assets | 97.29% |
Income and Expense
| Total Interest Income | $7.77M |
| Total Noninterest Income | $272.00k |
| Total Interest Expense | $1.86M |
| Total Noninterest Expense | $2.42M |
| Net Interest Income | $5.91M |
| Pre-tax Net Operating Income | $3.66M |
| Provision for Credit Losses | $100.00k |
| 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 | $1.63M |
| Total Liabilities and Capital | $616.85M |
Securities
| Securities | $247.70M |
| Available-for-sale debt securities | $247.70M |
| 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 The Citizens Bank of Georgia?
$616.85M as of the latest filing.
How much are The Citizens Bank of Georgia's total deposits?
$555.26M in total deposits.
Where is The Citizens Bank of Georgia located?
Cumming, GA.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
4.
When was it established?
02/03/1997.
What is the Return on Assets (ROA)?
1.81%.
How much are total loans and leases?
$309.82M (latest filing).
What is the total interest income (latest filing)?
$7.77M.