TellerScore

The Citizens Bank of Georgia is a state-chartered bank headquartered in Cumming, Georgia, in business for about 29 years. At the end of Q2 2026 it reported $598.5M in total assets and $531.3M in deposits, with 4 offices.

Based on its Q2 2026 filing, The Citizens Bank of Georgia scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 26th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (65/100; 11.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.49%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 60.6% · 33.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 5 points (80 → 85), mostly because the earnings component improved by 11 points.

TellerScore
788285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202478
Q1 202580
Q2 202580
Q3 202581
Q4 202581
Q1 202683
Q2 202685
Tier 1 leverage ratio
5.00%8.25%11.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.14%
Q3 202410.43%
Q4 202410.19%
Q1 202510.48%
Q2 202510.49%
Q3 202510.60%
Q4 202510.50%
Q1 202610.95%
Q2 202611.49%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.34%1.60%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.39%
Q4 20241.43%
Q1 20251.51%
Q2 20251.58%
Q3 20251.65%
Q4 20251.73%
Q1 20261.79%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$598.5M11.49%0.00%1.86%60.6%
Q1 202683$622.0M10.95%0.00%1.79%57.6%
Q4 202581$617.0M10.50%0.00%1.73%56.9%
Q3 202581$616.9M10.60%0.00%1.65%55.8%
Q2 202580$590.2M10.49%0.00%1.58%54.5%
Q1 202580$582.4M10.48%0.00%1.51%53.0%
Q4 202478$555.9M10.19%0.00%1.43%56.1%
Q3 202479$548.1M10.43%0.00%1.39%56.0%
Q2 202478$544.9M10.14%0.00%1.34%54.4%

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).

Capital ratio11.49%
58th
Total risk-based capital19.95%
86th
Problem loans0.00%
94th
Net charge-offs-0.01%
86th
Return on assets1.86%
83rd
Net interest margin4.07%
57th
Efficiency ratio38.7%
97th
Loans to deposits60.6%
82nd
Uninsured deposits33.1%
21st
Loan-loss reserves1.33%
66th
Texas ratio0.0%
95th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Guardian BankBank Valdosta, GA65 out of 100, Moderate$597.9M11.5%1.49%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs
First Port City BankBank Bainbridge, GA66 out of 100, Moderate$623.9M10.5%1.04%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Community Bank of Pickens CountyBank Jasper, GA73 out of 100, Strong$628.6M13.6%1.96%vs

Deposit insurance

Is my money safe at The Citizens Bank of Georgia?

Yes. The Citizens Bank of Georgia is an FDIC-insured institution (FDIC certificate #34229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.1% of deposits ($176.1M) 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 11.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.95% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The Citizens Bank of Georgia lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Citizens Bank of Georgia reported 63 home-loan applications under HMDA (LEI 254900LWBQAKENOJRT60): 60 originated ($41,680,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Citizens Bank of Georgia
Former names
The Citizens Bank of Forsyth County
Type
State-chartered bank
FDIC certificate #
34229
RSSD ID
2505451
Primary regulator
FDIC
Holding company
Forsyth Bancshares Inc
Established
February 3, 1997
Headquarters
651 Veterans Memorial Blvd, Cumming, GA 30040
Employees
57

Quick answers

The Citizens Bank of Georgia: common questions

Is The Citizens Bank of Georgia FDIC insured?

Yes. The Citizens Bank of Georgia is an FDIC-insured institution (FDIC certificate #34229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens Bank of Georgia's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Citizens Bank of Georgia ever failed?

There is no failure record for FDIC certificate #34229 in the FDIC failed bank list.

How many branches does The Citizens Bank of Georgia have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cumming

InstitutionScoreAssetsCapitalProblem loansCompare
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs
First American Bank and Trust CompanyBank Athens, GA86 out of 100, Very strong$901.9M13.3%0.00%vs