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 The Citizens Bank of Swainsboro
The Citizens Bank of Swainsboro
| RSSD ID 268136 | CERTIFICATE 11295 | ABA NUMBER 61203558 |
| 121 N Main St |
Quarter Ended : |
2025-12-31 |
| Swainsboro, Georgia, 30401 |
Updated : |
2026-01-23 |
| www.cbs-lc.com |
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| Institution Profile |
| Year Opened : |
1900 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
64 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 412,938 |
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Total Interest Income | 25,068 |
| Total Liabilities | 364,173 |
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Total NonInterest Income | 2,005 |
| Total Bank Equity Capital | 48,765 |
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Total Interest Expense | 5,675 |
| Total Deposits | 359,946 |
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Total NonInterest Expense | 11,159 |
| Net Loans & Leases | 284,887 |
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Net Income | 7,640 |
| Loan Loss Allowance | 5,557 |
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Net Charge Offs | 151 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 52,390 |
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Total loans | 291,076 |
| Total assets for the leverage ratio | 408,786 |
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Loans secured by real estate: | 229,682 |
| Tier 1 Leverage Ratio | 12.01 |
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Commercial and industrial loans | 42,343 |
| Tier 1 Capital Ratio | 18.67 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 19.93 |
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Loans to individuals - Other | 14,136 |
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:· The Citizens Bank of Swainsboro
