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Citizens Bank of the South


ACH Number: 61101197

Citizens Bank of the South is an FDIC insured institution headquartered at 132 S Harris St, Sandersville, GA 31082.
It was founded in 1965 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - February 03, 2026

SAVINGS RATES APY MIN
Savings
0.10% $100 Compare
CD RATES APY MIN
6 Mo CD
0.15% $500 Compare
12 Mo CD
0.30% $500 Compare
18 Mo CD
0.35% $500 Compare
24 Mo CD
0.35% $500 Compare
36 Mo CD
0.50% $500 Compare
60 Mo CD
0.75% $500 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19420
Date Established 1965
Assets $ 364.59 million
Loans $ 274.15 million
Deposits $ 312.42 million
Capital $ 45.41 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 34.54 million
Interest-bearing balances $ 32.11 million
Total securities $ 41.37 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 274.15 million
Loan loss allowance $ 3.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 5.96 million
     Total Assets $ 319.18 million

LIABILITIES
Total deposits $ 312.42 million
      Interest-bearing deposits $ 202.34 million
      Deposits held in domestic offices $ 312.42 million
      % insured (estimated)" 69.06%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.36 millionn
      Total Liabilities $ 319.18 million
      Shareholders’ Equity $ 45.41 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 16.38 million
Total Interest Expense $ 3.77 million
Net interest income $ 12.60 million
Provision for loan and lease losses $ 0.16 million
Total non interest income $ 1.04 million
Total non interest expense $ 8.31 million
Pre-tax Net Operating Income $ 1.59 million

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Branches

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Citizens Bank of the South Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Citizens Bank of the South
    Bank
    GEORGIA
    $50,000
    N.A.
    0.10%
    0.44x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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