Citizens Community Bank (FDIC certificate #12079) is based in Hahira, Georgia. Its Q2 2026 call report shows $221.9M in total assets and $200.0M in deposits and 4 offices.
Citizens Community Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 95th. Funding & liquidity contributes the most (88/100, 67% loans-to-deposits, 20% uninsured); capital cushion contributes the least (39/100, 8.94%).
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 8 points (75 → 67), mostly because the capital cushion component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 76 |
| Q1 2025 | 73 |
| Q2 2025 | 75 |
| Q3 2025 | 73 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.57% |
| Q3 2024 | 11.65% |
| Q4 2024 | 11.40% |
| Q1 2025 | 10.92% |
| Q2 2025 | 10.99% |
| Q3 2025 | 11.20% |
| Q4 2025 | 9.01% |
| Q1 2026 | 8.99% |
| Q2 2026 | 8.94% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.89% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.11% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $221.9M | 8.94% | 0.89% | 1.45% | 67.4% |
| Q1 2026 | 69 | $218.1M | 8.99% | 0.77% | 1.56% | 68.5% |
| Q4 2025 | 67 | $210.1M | 9.01% | 0.79% | 1.32% | 69.1% |
| Q3 2025 | 73 | $206.9M | 11.20% | 0.81% | 1.26% | 68.1% |
| Q2 2025 | 75 | $203.7M | 10.99% | 0.54% | 1.12% | 64.7% |
| Q1 2025 | 73 | $206.1M | 10.92% | 0.58% | 0.87% | 61.4% |
| Q4 2024 | 76 | $200.5M | 11.40% | 0.51% | 1.11% | 63.0% |
| Q3 2024 | 77 | $186.4M | 11.65% | 0.60% | 1.10% | 63.1% |
| Q2 2024 | 77 | $191.5M | 11.57% | 0.60% | 1.16% | 62.3% |
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 |
|---|---|---|---|---|---|
| Mount Vernon BankBank Mount Vernon, GA | 71 out of 100, Strong | $217.6M | 10.3% | 0.64% | vs |
| Embassy National BankBank Lawrenceville, GA | 74 out of 100, Strong | $227.9M | 11.0% | 0.00% | vs |
| First Bank of Coastal GeorgiaBank Pembroke, GA | 59 out of 100, Moderate | $215.7M | 9.1% | 0.35% | vs |
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
| Vidalia Federal Savings BankBank Vidalia, GA | 64 out of 100, Moderate | $212.0M | 12.0% | 0.79% | vs |
| Loyal Trust BankBank Johns Creek, GA | 64 out of 100, Moderate | $235.3M | 10.8% | 0.25% | vs |
Deposit insurance
Is my money safe at Citizens Community Bank?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #12079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($39.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.75% (benchmark: 10%).
4 locations
Branches
Citizens Community Bank lists 4 offices in 3 cities. Most locations:
- Valdosta, GA (2)
- Hahira, GA (1)
- Morven, GA (1)
Identity & history
Profile
- Legal name
- Citizens Community Bank
- Former names
- Citizens Bank of Hahira; Citizens Bank of Morven
- Type
- State-chartered bank
- FDIC certificate #
- 12079
- RSSD ID
- 564838
- Primary regulator
- FDIC
- Holding company
- Ccb Bancshares Inc
- Established
- February 21, 1927
- Headquarters
- 120 W Main St, Hahira, GA 31632
- Website
- www.ccbga.bank
- Employees
- 48
Quick answers
Citizens Community Bank: common questions
Is Citizens Community Bank FDIC insured?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #12079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Community Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Community Bank ever failed?
There is no failure record for FDIC certificate #12079 in the FDIC failed bank list.
How many branches does Citizens Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hahira
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Trust BankBank Lenox, GA | 86 out of 100, Very strong | $47.0M | 16.2% | 1.36% | vs |
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| Southern Pine Credit UnionCredit union Lake Park, GA | 82 out of 100, Strong | $27.6M | 23.7% | 0.79% | vs |
| Moultrie Bank & TrustBank Moultrie, GA | 82 out of 100, Strong | $150.6M | 14.1% | 0.10% | vs |
| The Citizens National Bank of QuitmanBank Quitman, GA | 81 out of 100, Strong | $133.7M | 11.6% | 0.21% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |