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The Citizens Bank Of Swainsboro
Swainsboro, GA · FDIC Certificate #11295 · Chartered 01/0
Total assets
$420.47M
Total deposits
$365.06M
Total equity
$50.71M
Net loans
$293.18M
Branches (offices)
5
Net income (YTD)
$3.83M
Rank: #1,995 of 4,213 U.S. banks by assets · #48 of 123 in Georgia. Assets changed 4.9% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 15.48% |
| Net interest margin (YTD) | 4.93% |
| Equity to assets | 12.06% |
| Tier 1 leverage ratio | 12.29% |
| Uninsured deposits (share of deposits) | 24.9% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 80.3% |
| Real estate loans (share of loans) | 80.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $235.84M | 80.4% | |
| Commercial & industrial | $41.34M | 14.1% | |
| Consumer / individual | $14.34M | 4.9% | |
| Construction & development | $42.43M | 14.5% | |
| Agricultural | $5.20M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $304.79M | $272.61M | $1.82M | $29.05M |
| Jun 2023 | $325.53M | $289.13M | $2.68M | $32.96M |
| Jun 2024 | $345.15M | $303.30M | $3.00M | $38.05M |
| Jun 2025 | $400.82M | $352.66M | $3.70M | $44.11M |
| Jun 2026 | $420.47M | $365.06M | $3.83M | $50.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $365.06M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $365.06M.
Similar-sized banks
The First National Bank Of Allendale ($421.23M) · Cumberland Security Bank, Inc. ($420.06M)
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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