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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 : |
2025-06-30 |
| Sandersville, Georgia, 31082 |
Updated : |
2025-07-23 |
| 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 : |
63 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 345,833 |
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Total Interest Income | 10,586 |
| Total Liabilities | 302,082 |
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Total NonInterest Income | 680 |
| Total Bank Equity Capital | 43,751 |
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Total Interest Expense | 2,397 |
| Total Deposits | 295,744 |
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Total NonInterest Expense | 5,535 |
| Net Loans & Leases | 261,586 |
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Net Income | 2,403 |
| Loan Loss Allowance | 3,485 |
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Net Charge Offs | 53 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 47,233 |
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Total loans | 257,639 |
| Total assets for the leverage ratio | 342,750 |
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Loans secured by real estate: | 221,393 |
| Tier 1 Leverage Ratio | 12.89 |
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Commercial and industrial loans | 24,693 |
| Tier 1 Capital Ratio | 18.13 |
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Loans to individuals - Credit Cards | 586 |
| Total Capital Ratio | 19.38 |
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Loans to individuals - Other | 10,322 |
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:· Citizens Bank of the South
