Citizens Bank of Americus is a state-chartered bank headquartered in Americus, Georgia, in business for about 89 years. At the end of Q2 2026 it reported $511.1M in total assets and $453.9M in deposits, with 3 offices.
Based on its Q2 2026 filing, Citizens Bank of Americus scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 52nd. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is capital cushion (53/100; 10.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (70 → 77), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 73 |
| Q2 2025 | 70 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 75 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.21% |
| Q3 2024 | 10.32% |
| Q4 2024 | 10.05% |
| Q1 2025 | 9.73% |
| Q2 2025 | 9.76% |
| Q3 2025 | 10.00% |
| Q4 2025 | 10.31% |
| Q1 2026 | 10.10% |
| Q2 2026 | 10.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.48% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $511.1M | 10.25% | 0.09% | 1.58% | 58.8% |
| Q1 2026 | 75 | $506.5M | 10.10% | 0.20% | 1.52% | 57.1% |
| Q4 2025 | 76 | $504.9M | 10.31% | 0.19% | 1.50% | 57.9% |
| Q3 2025 | 74 | $489.2M | 10.00% | 0.30% | 1.51% | 56.8% |
| Q2 2025 | 70 | $492.9M | 9.76% | 0.71% | 1.51% | 55.4% |
| Q1 2025 | 73 | $483.6M | 9.73% | 0.32% | 1.52% | 54.7% |
| Q4 2024 | 74 | $473.1M | 10.05% | 0.22% | 1.47% | 57.6% |
| Q3 2024 | 75 | $435.5M | 10.32% | 0.22% | 1.48% | 64.9% |
| Q2 2024 | 76 | $425.6M | 10.21% | 0.09% | 1.43% | 61.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| American Commerce Bank, National AssociationBank Bremen, GA | 63 out of 100, Moderate | $495.7M | 17.1% | 2.98% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Planters First BankBank Cordele, GA | 68 out of 100, Moderate | $485.7M | 10.7% | 1.41% | vs |
| Bank of DudleyBank Dudley, GA | 69 out of 100, Moderate | $537.9M | 9.6% | 0.12% | vs |
| First National Bank of Coffee CountyBank Douglas, GA | 70 out of 100, Strong | $547.5M | 8.8% | 0.24% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Americus?
Yes. Citizens Bank of Americus is an FDIC-insured institution (FDIC certificate #15477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.4% of deposits ($183.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.94% (benchmark: 10%).
3 locations
Branches
Citizens Bank of Americus lists 3 offices in 2 cities. Most locations:
- Americus, GA (2)
- Preston, GA (1)
Identity & history
Profile
- Legal name
- Citizens Bank of Americus
- Former names
- The Citizens Bank of Americus
- Type
- State-chartered bank
- FDIC certificate #
- 15477
- RSSD ID
- 19936
- Primary regulator
- FDIC
- Holding company
- Cba Bankshares Inc
- Established
- March 1, 1937
- Headquarters
- 119 N Lee St, Americus, GA 31709
- Website
- www.cbkamericus.com
- Employees
- 47
Quick answers
Citizens Bank of Americus: common questions
Is Citizens Bank of Americus FDIC insured?
Yes. Citizens Bank of Americus is an FDIC-insured institution (FDIC certificate #15477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Americus's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Americus ever failed?
There is no failure record for FDIC certificate #15477 in the FDIC failed bank list.
How many branches does Citizens Bank of Americus have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Americus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of DawsonBank Dawson, GA | 94 out of 100, Very strong | $159.9M | 18.2% | 0.22% | vs |
| Flint River Employees Federal Credit UnionCredit union Oglethorpe, GA | 82 out of 100, Strong | $1.7M | 38.1% | 0.22% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |