Citizens Bank of the South (FDIC certificate #19420) is based in Sandersville, Georgia. Its Q2 2026 call report shows $395.1M in total assets and $345.6M in deposits and 3 offices.
Based on its Q2 2026 filing, Citizens Bank of the South scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 60th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is funding & liquidity (56/100; 87% loans-to-deposits, 31% uninsured).
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 fell 4 points (80 → 76), mostly because the capital cushion component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 82 |
| Q1 2026 | 79 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.67% |
| Q3 2024 | 12.83% |
| Q4 2024 | 12.82% |
| Q1 2025 | 12.90% |
| Q2 2025 | 12.89% |
| Q3 2025 | 12.67% |
| Q4 2025 | 12.87% |
| Q1 2026 | 12.58% |
| Q2 2026 | 11.94% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.46% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $395.1M | 11.94% | 0.45% | 1.58% | 86.8% |
| Q1 2026 | 79 | $395.5M | 12.58% | 0.40% | 1.52% | 85.1% |
| Q4 2025 | 82 | $362.2M | 12.87% | 0.20% | 1.61% | 90.3% |
| Q3 2025 | 80 | $364.6M | 12.67% | 0.23% | 1.48% | 87.8% |
| Q2 2025 | 80 | $345.8M | 12.89% | 0.20% | 1.41% | 88.5% |
| Q1 2025 | 79 | $340.6M | 12.90% | 0.23% | 1.29% | 84.7% |
| Q4 2024 | 81 | $339.2M | 12.82% | 0.24% | 1.46% | 82.2% |
| Q3 2024 | 81 | $322.3M | 12.83% | 0.18% | 1.38% | 86.1% |
| Q2 2024 | 80 | $312.2M | 12.67% | 0.23% | 1.37% | 86.1% |
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 |
|---|---|---|---|---|---|
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Exchange BankBank Milledgeville, GA | 66 out of 100, Moderate | $410.3M | 11.9% | 0.03% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| Touchmark National BankBank Alpharetta, GA | 38 out of 100, Low | $416.9M | 13.1% | 5.07% | vs |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
Deposit insurance
Is my money safe at Citizens Bank of the South?
Yes. Citizens Bank of the South is an FDIC-insured institution (FDIC certificate #19420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($106.5M) 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 11.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.84% (benchmark: 10%).
3 locations
Branches
Citizens Bank of the South lists 3 offices in 3 cities. Most locations:
- Milledgeville, GA (1)
- Sandersville, GA (1)
- Statesboro, GA (1)
Identity & history
Profile
- Legal name
- Citizens Bank of the South
- Former names
- Citizens Bank of Washington County
- Type
- State-chartered bank
- FDIC certificate #
- 19420
- RSSD ID
- 367431
- Primary regulator
- FDIC
- Established
- May 3, 1965
- Headquarters
- 132 S Harris St, Sandersville, GA 31082
- Website
- www.cbots.com
- Employees
- 61
Quick answers
Citizens Bank of the South: common questions
Is Citizens Bank of the South FDIC insured?
Yes. Citizens Bank of the South is an FDIC-insured institution (FDIC certificate #19420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of the South's TellerScore?
76 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 the South ever failed?
There is no failure record for FDIC certificate #19420 in the FDIC failed bank list.
How many branches does Citizens Bank of the South have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sandersville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| The Geo. D. Warthen BankBank Sandersville, GA | 73 out of 100, Strong | $190.3M | 13.0% | 1.27% | vs |
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| BankSouthBank Greensboro, GA | 68 out of 100, Moderate | $1.6B | 10.2% | 0.55% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |