Citizens Bank of the South

BankSandersville, Georgia
www.cbots.com

Total Assets

$362.2M

Total Deposits

$309.4M

Branches

3

Established

1965

TFS Health Grade

$
B

84.8 / 100

Good financial health

How we grade

Citizens Bank of the South is a bank headquartered in Sandersville, Georgia, established in 1965. With $362.2M in total assets and 3 branch locations, it has a TFS Financial Health Grade of B (84.8/100).

Capital & Safety

Tier 1 Capital Ratio
12.87%(8%)
Total Capital Ratio
19.64%(10%)
Non-Performing Loan Ratio
0.20%

Profitability

Return on Assets (ROA)
1.61%(1%)
Return on Equity (ROE)
12.73%(10%)
Net Interest Margin
5.14%
Efficiency Ratio
59.18%(60%)

Lending & Liquidity

Total Loans
$283.1M
Loan-to-Deposit Ratio
90.34%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+6.77%
Deposit Growth (YoY)
+4.55%
Net Income
$5.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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