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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 - June 19, 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 $ 362.21 million
Loans $ 279.47 million
Deposits $ 309.36 million
Capital $ 47.24 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 31.35 million
Interest-bearing balances $ 28.85 million
Total securities $ 36.65 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 279.47 million
Loan loss allowance $ 3.68 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 $ 314.97 million

LIABILITIES
Total deposits $ 309.36 million
      Interest-bearing deposits $ 201.47 million
      Deposits held in domestic offices $ 309.36 million
      % insured (estimated)" 71.13%
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 $ 314.97 million
      Shareholders’ Equity $ 47.24 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 22.26 million
Total Interest Expense $ 5.14 million
Net interest income $ 17.13 million
Provision for loan and lease losses $ 0.44 million
Total non interest income $ 1.72 million
Total non interest expense $ 11.15 million
Pre-tax Net Operating Income $ 1.59 million

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