# CITIZENS COMMUNITY BANK HAHIRA, GA · FDIC certificate 12079 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $221.9M | | | Deposits | $200.0M | | | Loans and leases | $136.5M | | | Total equity | $14.7M | | | Loans / deposits | 67.43% (p41 of band) | 73.59% | | Liquid assets / assets | 35.19% (p56 of band) | | | Uninsured deposits / deposits | 19.51% (p49 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 2.70% (p63 of band) | | | FHLB advances / assets | 2.70% | | | Tier 1 leverage | 8.94% (p10 of band) | 11.76% | | Unrealized securities loss / equity | -37.93% (p10 of band) | -6.57% | | AOCI / equity | -0.43% (p48 of band) | | | ROA (annualized) | 1.45% (p65 of band) | 1.17% | | Net interest margin | 4.27% (p66 of band) | 3.93% | | Efficiency ratio | 64.49% (p47 of band) | | | Noncurrent loans | 0.89% (p68 of band) | 0.36% | | Net charge-offs (annualized) | 0.05% (p80 of band) | | | Reserve coverage of noncurrent | 137.33% | | | Real estate % of loans | 87% | | | Construction % of loans | 99.43% (p94 of band) | | | Auto loans | $1.7M (1.28% of loans; DQ 5.15%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 7.3% | | | Employees | 48 | | ## Flags firing in the latest filing - **capital falling** (`cap_falling`) - **securities losses >30% of equity** (`cap_secloss`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 0 | | reserve under noncurrent | | 2011-09 | 0 | | | | 2011-12 | 0 | | | | 2012-03 | 0 | | | | 2012-06 | 0 | | | | 2012-09 | 1 | reserve under noncurrent | | | 2012-12 | 0 | | reserve under noncurrent | | 2013-03 | 0 | | | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 1 | reserve under noncurrent | | | 2015-06 | 0 | | reserve under noncurrent | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 1 | reserve under noncurrent | | | 2016-12 | 1 | | | | 2017-03 | 1 | capital falling | reserve under noncurrent | | 2017-06 | 0 | | capital falling | | 2017-09 | 0 | | | | 2017-12 | 1 | reserve under noncurrent | | | 2018-03 | 1 | charge-offs p90 | reserve under noncurrent | | 2018-06 | 0 | | charge-offs p90 | | 2018-09 | 0 | | | | 2018-12 | 2 | deposits shrinking, assets shrinking | | | 2019-03 | 0 | | deposits shrinking, assets shrinking | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 1 | reserve under noncurrent | | | 2020-03 | 1 | charge-offs p90 | reserve under noncurrent | | 2020-06 | 2 | capital falling | | | 2020-09 | 2 | | | | 2020-12 | 2 | | | | 2021-03 | 2 | | | | 2021-06 | 1 | | charge-offs p90 | | 2021-09 | 1 | | | | 2021-12 | 0 | | capital falling | | 2022-03 | 1 | AOCI drag >20% of equity | | | 2022-06 | 4 | capital falling, securities losses >30% of equity, construction >100% equity | | | 2022-09 | 3 | | capital falling | | 2022-12 | 5 | assets shrinking, uninsured deposits leaving | | | 2023-03 | 3 | | AOCI drag >20% of equity, assets shrinking | | 2023-06 | 3 | | | | 2023-09 | 2 | | uninsured deposits leaving | | 2023-12 | 2 | | | | 2024-03 | 3 | charge-offs p90 | | | 2024-06 | 3 | | | | 2024-09 | 2 | deposits shrinking | construction >100% equity, charge-offs p90 | | 2024-12 | 2 | construction >100% equity | deposits shrinking | | 2025-03 | 2 | capital falling | construction >100% equity | | 2025-06 | 1 | | capital falling | | 2025-09 | 2 | construction >100% equity | | | 2025-12 | 2 | | | | 2026-03 | 3 | capital falling | | | 2026-06 | 2 | | construction >100% equity | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate - 2026-02-22 [Regulators shut banks in Georgia, N.J., Utah; 32 bank failures in 2009 - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1zZFZIRjV5OWNjX0d4Y1lGanMxdGl3QVR6T1VnckxNWjI4YWxnbnRESGdWalV3Y0RMaE5yNkhqdjJFc1JyNm5idWdIRThCeUh4S05GeUcxbkhPLTB3MTRNLWp30gFnQVVfeXFMUHBWUWdrdGVkZ0NlYzVqMHU3YkVoZlZUWnZQVkhELW1RV2dEeDJPb2hLT2RvV2RqamtnYm4wTGJIOFN0SHhGcFpXUW9EQlZobkdNNWpkQ2dwVWRoRVFGY0ZsSFFfQ0xZOA?oc=5) · ABC News - Breaking News, Latest News and Videos - 2020-03-31 [Citizens Community Bank keeps family ties - Valdosta Daily Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPT0RTRE5oRmZ3NHRLTWs1VTdDQVc0cWF0RWRTdWNsdkR3bk5qY0Y4S1BKeGRERWJWSEE4NDFRbDY0RHgyZmVfSVFNNndXTWl1cHJab212MllTRVFpQlIzYVQ1NmZpNVFIdGt2N1k1aGVDRmNLa01BZzdsVHotc1NMamRsYkJpVG83cV9IZw?oc=5) · Valdosta Daily Times - 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro - 2018-03-09 [David King Hollis, Jr. Obituary Mar 9, 2018 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMieEFVX3lxTE9zYThITmVacUItWlItWUg3VGJyc2tfZENxcUs2eGNpQk5oenpBeVRmT1AzNklVaFROS3ZEX1RvRWREQ3RvbTZDN0hGck93VUlPaEhXUXdDY0FBRWZyajNMNmd3RkczV0pid09WQU1yMFFnNnhRdk1IbA?oc=5) · McLane Funeral & Cremation Services - 2009-05-22 [Armed men rob Valdosta bank; official shot - Thomasville Times-Enterprise](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaDB0WWN5T0hhVjl1MmNlUGgzZnd5N2JER3NDRUVEbGw1aHdrUjBhRGFoZm5jMU1KN1gwUTgxNzNSMUxkYXo0WldtNks3Y1ZicXdtYl94V2ZiZ241Q2ZmT2hrSHJJdlptQVluLVZVa19ENU5yY0F2cDRlX0REZlViUVRKZmx5aXVu?oc=5) · Thomasville Times-Enterprise - 2024-12-24 [Bank welcomes Hatfield as commercial loan officer - Valdosta Daily Times](https://news.google.com/rss/articles/CBMilwFBVV95cUxOa2UtQVRoX1JkdElheThwYXdiblhvZHBudlJHZTNEa200cmt3RFgwUVNIdVQ2Z2xEcHpJVGV4TGNpckJvMnFkdWJSaU9wX0FhQVRuaUEtVTVFOEpBeExYUXk0eENPdUoyMGtKOVA1eVdQVi1CdTZSeVpkOGFpbC1icERrRjVYS0NNeHNBZ0Rab2o2aVZ3aEtF?oc=5) · Valdosta Daily Times - 2008-12-31 [Donald Ashley Lawson Obituary Dec 31, 2008 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMieEFVX3lxTE1Oa2tCQlVuQjgwMmlqdDRYeFVmRWhtSHo0dXlOdUJzVWRkOG1wcTgzQzR4NmZGRjZ1WWVwcDRFX2RKNFBBQmNoRTJ0M0FQQWJRYktfeUZnYkxqSkszRlhfMnpwVmxaM3RPdkRmaVVkbmNuUGdralF3Vg?oc=5) · McLane Funeral & Cremation Services ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=12079 (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/47.json (key "12079", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide