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 The Citizens Bank of Swainsboro
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The Citizens Bank of Swainsboro
| RSSD ID 268136 | CERTIFICATE 11295 | ABA NUMBER 61203558 |
| 121 N Main St |
Quarter Ended : |
2026-06-30 |
| Swainsboro, Georgia, 30401 |
Updated : |
2026-07-29 |
| 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 : |
67 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 420,467 |
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Total Interest Income | 12,632 |
| Total Liabilities | 369,753 |
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Total NonInterest Income | 1,182 |
| Total Bank Equity Capital | 50,714 |
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Total Interest Expense | 2,870 |
| Total Deposits | 365,063 |
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Total NonInterest Expense | 5,668 |
| Net Loans & Leases | 293,184 |
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Net Income | 3,829 |
| Loan Loss Allowance | 5,836 |
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Net Charge Offs | 62 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 54,993 |
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Total loans | 297,650 |
| Total assets for the leverage ratio | 419,476 |
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Loans secured by real estate: | 236,120 |
| Tier 1 Leverage Ratio | 12.29 |
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Commercial and industrial loans | 42,457 |
| Tier 1 Capital Ratio | 18.92 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 20.18 |
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Loans to individuals - Other | 14,096 |
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:· The Citizens Bank of Swainsboro
