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Citizens Bank Of Americus
Americus, GA · FDIC Certificate #15477 · Chartered 03/0
Total assets
$511.05M
Total deposits
$453.94M
Total equity
$48.51M
Net loans
$266.81M
Branches (offices)
3
Net income (YTD)
$4.01M
Rank: #1,759 of 4,213 U.S. banks by assets · #37 of 123 in Georgia. Assets changed 3.7% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 16.95% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 9.49% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 40.4% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 58.8% |
| Real estate loans (share of loans) | 79.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $211.06M | 79.1% | |
| Commercial & industrial | $39.00M | 14.6% | |
| Consumer / individual | $5.06M | 1.9% | |
| Construction & development | $7.33M | 2.7% | |
| Agricultural | $13.96M | 5.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $429.14M | $393.24M | $2.19M | $28.47M |
| Jun 2023 | $416.40M | $377.64M | $2.96M | $30.71M |
| Jun 2024 | $425.56M | $386.20M | $3.13M | $35.93M |
| Jun 2025 | $492.93M | $441.05M | $3.66M | $42.74M |
| Jun 2026 | $511.05M | $453.94M | $4.01M | $48.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $453.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $453.94M.
Similar-sized banks
Citizens State Bank ($511.35M) · Texas Republic Bank, National Association ($510.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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