# CITIZENS BANK OF SWAINSBORO
SWAINSBORO, GA · FDIC certificate 11295 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $420.5M | |
| Deposits | $365.1M | |
| Loans and leases | $299.0M | |
| Total equity | $50.7M | |
| Loans / deposits | 80.31% (p46 of band) | 82.04% |
| Liquid assets / assets | 26.42% (p54 of band) | |
| Uninsured deposits / deposits | 24.94% (p46 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.29% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -2.17% (p78 of band) | -8.10% |
| AOCI / equity | -1.05% (p21 of band) | |
| ROA (annualized) | 1.83% (p81 of band) | 1.28% |
| Net interest margin | 4.93% (p92 of band) | 3.91% |
| Efficiency ratio | 51.79% (p22 of band) | |
| Noncurrent loans | 0.36% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 541.37% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 83.67% (p80 of band) | |
| Auto loans | $5.2M (1.72% of loans; DQ 6.09%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 67 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | charge-offs p90 | capital falling |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | construction >100% equity |  |
| 2023-06 | 1 | charge-offs p90 | construction >100% equity |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-20 [Annette Overstreet Lindsey Obituary Aug 20, 2026 - Chapman Funeral Home | Swainsboro, GA](https://news.google.com/rss/articles/CBMickFVX3lxTE02UnBvMzBkTHlOUkl3UkhvREFpd29ON1JESWVXbEM0QWUtaXdiMEFwVDBtQmFfdno3VXgtUVZadElRTnM3QjdqQkluT0V5RXdUTVZycHVaTy1XLWZES21IOUFCeW0zLUNSdWdQcGV0a3Z1dw?oc=5) · Chapman Funeral Home | Swainsboro, GA
- 2026-07-29 [Citizens Bank donates to Wreaths Across America - Emanuel County Live](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZUl1WU5ZN3pPcnloMjk3b29nVUREWUlFRm41aTBCb2NhNm5abGRfdnhmTVQwQWJqZE5Yc1dhRGZwUGxQQU1peGVhN2s4SGc4NGY4YVlOZzk4djlsdU95OC1MM2V4Z2JLOTNQbHlHRzdkUW9KM1F4bVdkbnJtcHVQU1Q3YlZvSVNZb2JySVBpX2U1eXhfZWd3?oc=5) · Emanuel County Live
- 2015-08-03 [Citizen's Bank of Swainsboro coming to Bulloch - Statesboro Herald](https://news.google.com/rss/articles/CBMimgFBVV95cUxQbFJ3TEx0QklwaW9Jc2JGNlBmZkItMXhFekhiOEhFMUZKUHhJUXBMY3dxS0hEZFFfcGtMRVlEUHR2WDZRTlZ0WjRsR2ppZmtmdUM5c2VDX1MwR3BRc0g2eURsM3NEbjVzMGVWemRlM2JwaFNhblF0eFNXa0xDbWctMmFWUF9HNXZPcndQWHZoRnJWZ3k5ZFprRHJB?oc=5) · Statesboro Herald
- 2025-11-12 [Citizens Bank of Swainsboro marks 125 years of trusted community banking - Emanuel County Live](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZnhNeFU3aTJFVUlBR2MtVjczM3BKelFjcnJqZWNaanVuUEd3WmVtMTB1d05lcnBBUmZWZFB3M2dBWE9YcGE1SHRpZzdWNFFlMjh6b0FkcUU3el9ZQldYWWl2Vy0zU2RtcUpGNkVTR1MwYjhxUTliLXZKVUtFVmNlSlBaNUhYeUI0cFpjNkdSRElzODVjTlhkYUhmQ2hEZ00zRFgyemdZS005bGFwT1lkckhtclk5cWg4?oc=5) · Emanuel County Live
- 2024-11-08 [As banking shifts online, PNC Bank plans more branches in metro Atlanta - AJC.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOQ1R0VnlKNkpNcDg4dFQtWkN3Sld2QjVCd2FIWDNkTHlIUDhCTElwTENqSXRkNjZ4aVljUzd0c3YxZ0FyeVh4dE9nX0NERk5UeTM4SGZnM2Rmdlo4QUhkenV4c2xoT09nODZwcVNadjBVZHpYb1RrdTVZQ3pmN0ltX2lRZnVWcTRIQVhNanlzLXBrUkdxZnBpNV82bkZSNy1jSHBHbEkyY2V3ZEdWWEZMN2hhcmpnMGQyaGNZNktpS0UwODFsS1lPMzA5SEw?oc=5) · AJC.com
- 2025-04-09 [Bulloch First celebrates 10-year anniversary - Statesboro Herald](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcDVlaUN4STlRWEJNSWp1ajVyV0JwY0cwR1BQOTZSenVFS3ZqSGRoYTBjeVJwNDkzWHZPRFp4YXpZczczb0J4QUY2cWVGcXFOTzhIRk9iT0VUdVl4V3FsMEd4c0x6RVRfcGhJTjB3d0ZlTGxHcXBqM3hjT2lzMVEtX1BwY1picmZYQ21UaA?oc=5) · Statesboro Herald
- 2021-09-29 [Frye to join Citizens Bank of Swainsboro - Emanuel County Live](https://news.google.com/rss/articles/CBMijAFBVV95cUxNOVZJMGZRWWxHQ3pxYUloSkFlUTA5SDJCVzdHd1hwMFZsYlRuOW1kM3phSDh6bkFsNXByQ0NLSE4zWlN1d2k1TFduenlxUnZSWkRYZmJSRnZpdUVVUzZpY0h2aWNLYV9XU1FwSXBReThfTjgwdGtjMk5SSjNxNmI0VVRLamdFbVh6eS1xUw?oc=5) · Emanuel County Live
- 2021-09-21 [Bulloch First names Caroline Nelson president - Statesboro Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxOOXJlak9rd2w4Z2NKN3psclN5dHZxZDRsMzFEd1JwNDBGcnI1YU1GZnhzWWNuNTRNWUNlTVFId0JVbGtLVzhWUEhnQlhHVVdsV3FhTU0xd1JMX0N2V1NoR1lIR29EOGZZM0VBS2RIcFJydEVsRkpzOWpOTHVsUVhsb1FpODh0RE51MEY2MzhR?oc=5) · Statesboro Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11295 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "11295", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide