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The Citizens Bank Of Georgia
Cumming, GA · FDIC Certificate #34229 · Chartered 02/0
Total assets
$598.51M
Total deposits
$531.29M
Total equity
$65.47M
Net loans
$321.85M
Branches (offices)
4
Net income (YTD)
$5.69M
Rank: #1,555 of 4,213 U.S. banks by assets · #28 of 123 in Georgia. Assets changed 1.4% and deposits -0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.86% |
| Return on equity | 17.94% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 10.94% |
| Tier 1 leverage ratio | 11.49% |
| Uninsured deposits (share of deposits) | 33.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 60.6% |
| Real estate loans (share of loans) | 93.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $300.73M | 93.4% | |
| Commercial & industrial | $18.99M | 5.9% | |
| Consumer / individual | $6.64M | 2.1% | |
| Construction & development | $43.86M | 13.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $509.14M | $472.34M | $2.42M | $36.34M |
| Jun 2023 | $502.66M | $464.08M | $3.25M | $37.61M |
| Jun 2024 | $544.86M | $498.91M | $3.57M | $44.44M |
| Jun 2025 | $590.20M | $532.93M | $4.54M | $55.87M |
| Jun 2026 | $598.51M | $531.29M | $5.69M | $65.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $531.29M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $531.29M.
Similar-sized banks
North Shore Bank Of Commerce ($598.53M) · Guardian Bank ($597.90M)
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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