The Citizens Bank of Swainsboro is a state-chartered bank headquartered in Swainsboro, Georgia, in business for about 126 years. At the end of Q2 2026 it reported $420.5M in total assets and $365.1M in deposits, with 5 offices.
Based on its Q2 2026 filing, The Citizens Bank of Swainsboro scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 34th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is funding & liquidity (69/100; 80% loans-to-deposits, 25% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 83 |
| Q4 2024 | 83 |
| Q1 2025 | 81 |
| Q2 2025 | 83 |
| Q3 2025 | 84 |
| Q4 2025 | 84 |
| Q1 2026 | 84 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 11.60% |
| Q4 2024 | 11.48% |
| Q1 2025 | 11.14% |
| Q2 2025 | 11.44% |
| Q3 2025 | 11.72% |
| Q4 2025 | 12.01% |
| Q1 2026 | 12.07% |
| Q2 2026 | 12.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.75% |
| Q3 2024 | 1.79% |
| Q4 2024 | 1.83% |
| Q1 2025 | 1.74% |
| Q2 2025 | 1.86% |
| Q3 2025 | 1.87% |
| Q4 2025 | 1.90% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $420.5M | 12.29% | 0.36% | 1.83% | 80.3% |
| Q1 2026 | 84 | $418.9M | 12.07% | 0.14% | 1.77% | 79.1% |
| Q4 2025 | 84 | $412.9M | 12.01% | 0.12% | 1.90% | 79.1% |
| Q3 2025 | 84 | $409.0M | 11.72% | 0.11% | 1.87% | 78.4% |
| Q2 2025 | 83 | $400.8M | 11.44% | 0.08% | 1.86% | 78.4% |
| Q1 2025 | 81 | $400.0M | 11.14% | 0.12% | 1.74% | 76.1% |
| Q4 2024 | 83 | $388.8M | 11.48% | 0.11% | 1.83% | 75.2% |
| Q3 2024 | 83 | $359.7M | 11.60% | 0.09% | 1.79% | 81.3% |
| Q2 2024 | 81 | $345.1M | 11.47% | 0.16% | 1.75% | 83.7% |
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 |
|---|---|---|---|---|---|
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
| River City BankBank Rome, GA | 77 out of 100, Strong | $423.4M | 10.1% | 0.00% | vs |
| Touchmark National BankBank Alpharetta, GA | 38 out of 100, Low | $416.9M | 13.1% | 5.07% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Exchange BankBank Milledgeville, GA | 66 out of 100, Moderate | $410.3M | 11.9% | 0.03% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Swainsboro?
Yes. The Citizens Bank of Swainsboro is an FDIC-insured institution (FDIC certificate #11295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.9% of deposits ($91.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.18% (benchmark: 10%).
5 locations
Branches
The Citizens Bank of Swainsboro lists 4 offices in 3 cities. Most locations:
- Dublin, GA (2)
- Statesboro, GA (1)
- Swainsboro, GA (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Swainsboro
- Type
- State-chartered bank
- FDIC certificate #
- 11295
- RSSD ID
- 268136
- Primary regulator
- FDIC
- Holding company
- Swainsboro Bankshares Inc
- Established
- January 1, 1900
- Headquarters
- 121 N Main St, Swainsboro, GA 30401
- Website
- www.cbs-lc.com
- Employees
- 67
Quick answers
The Citizens Bank of Swainsboro: common questions
Is The Citizens Bank of Swainsboro FDIC insured?
Yes. The Citizens Bank of Swainsboro is an FDIC-insured institution (FDIC certificate #11295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Swainsboro's TellerScore?
82 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 The Citizens Bank of Swainsboro ever failed?
There is no failure record for FDIC certificate #11295 in the FDIC failed bank list.
How many branches does The Citizens Bank of Swainsboro have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Swainsboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
| Pineland BankBank Alma, GA | 75 out of 100, Strong | $597.1M | 10.5% | 0.49% | vs |