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 Citizens Bank of the South
Citizens Bank of the South
| RSSD ID 367431 | CERTIFICATE 19420 | ABA NUMBER 61101197 |
| 132 S Harris St |
Quarter Ended : |
2025-12-31 |
| Sandersville, Georgia, 31082 |
Updated : |
2026-01-30 |
| www.cbots.com |
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| Institution Profile |
| Year Opened : |
1965 |
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 : |
3 |
Number of Employees : |
62 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 362,206 |
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Total Interest Income | 22,262 |
| Total Liabilities | 314,969 |
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Total NonInterest Income | 1,716 |
| Total Bank Equity Capital | 47,237 |
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Total Interest Expense | 5,135 |
| Total Deposits | 309,364 |
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Total NonInterest Expense | 11,151 |
| Net Loans & Leases | 279,471 |
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Net Income | 5,639 |
| Loan Loss Allowance | 3,676 |
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Net Charge Offs | 102 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 50,647 |
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Total loans | 280,400 |
| Total assets for the leverage ratio | 368,550 |
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Loans secured by real estate: | 242,022 |
| Tier 1 Leverage Ratio | 12.87 |
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Commercial and industrial loans | 26,665 |
| Tier 1 Capital Ratio | 18.39 |
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Loans to individuals - Credit Cards | 606 |
| Total Capital Ratio | 19.64 |
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Loans to individuals - Other | 10,848 |
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:· Citizens Bank of the South
