# CITIZENS BANK OF AMERICUS
AMERICUS, GA · FDIC certificate 15477 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $511.1M | |
| Deposits | $453.9M | |
| Loans and leases | $271.2M | |
| Total equity | $48.5M | |
| Loans / deposits | 58.78% (p12 of band) | 82.04% |
| Liquid assets / assets | 44.53% (p88 of band) | |
| Uninsured deposits / deposits | 40.41% (p88 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.98% (p34 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 10.25% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -11.82% (p39 of band) | -8.10% |
| AOCI / equity | -0.82% (p29 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 3.80% (p43 of band) | 3.91% |
| Efficiency ratio | 47.67% (p13 of band) | |
| Noncurrent loans | 0.09% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 1843.10% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 15.11% (p20 of band) | |
| Auto loans | $1.8M (0.67% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 47 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | losing money, expense ratio p90 |  |
| 2014-03 | 0 |  | losing money, expense ratio p90 |
| 2014-06 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-09 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 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)

- 2020-03-04 [Citizens Bank of Americus announces officer promotions - Americus Times-Recorder](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNV9xM3ZZV3dRMjBWZzFvUklFZXFIakIzLVNRdFRVU1p4Q3JVRzZTdTlab3N6c3otQnEwR1NiTFdzN3djVmItaVZrTkNNakdqVEtOanR5Q0ZsY1A5Ujl1VUdxM3FXOTFnVWlPWmZqNk9PeER3eDJhd1Vza2NZWjVlalQ4RWZEdGF2MHp3RU9ONU9BMzZXay14MGVEQzRGWmt4Zmc?oc=5) · Americus Times-Recorder
- 2014-12-10 [Federal Home Loan Bank of Atlanta names new chairman, vice chairman of the board - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSFdYM0FTZHhxUzNUSlc1Wmh6QWdIVXN2cUhqeW5tNnM4YzN5UGp0VDhOa1hteDd3bkh1VVdsc3ZUQU5DRER0VlR6enA1aEIxVW5JNUZVT1lvOXRsU0U2aWgwU0tQVV80SDBiOGZKWkxxNjc3NUl3NzRzTU1JMEllRHNBeFRzSEFYcThHVFBQY1dEUDVfYkR4QnROYXU4dDBXc2c?oc=5) · The Business Journals
- 2019-02-13 [Will Easterlin appointed to board, Citizens Bank of Americus - Americus Times-Recorder](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNVG1meVgzNWszc0hSR3p3S25LUlpyeFE3R05HekhZcVlsTTFqRV9Jb1hlVE1SX1B2MkUtM2phR2h2VlhJYW5hZFlpNTI1cTZDVUppOEdkTVFia2VtZUhjOGxsTlBYVWl4YzJqUGhqRDhMZk9VOGFjR3VFcGZLSVJoZHVCWG9IeXN6TmZta3hkaE0xMzBPN3BvcUxDTDlaM2M3cmd5N09ISF8?oc=5) · Americus Times-Recorder
- 2025-04-22 [Mr. James Marvin Nation Obituary (2025) - Americus, GA - Aldridge Funeral & Cremation Services - Americus - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxObEdoYVo1a29teFJ5WnVDLUJCbmQxZ1U4STF3ZWNDQjV6aE5fdTVQTXpaeFRtNjFnaUgzbFUxdjlxbWc4ZVlxczdfSlRMVTc0Tl9LdjljcmQ4QjhsWC1iU3FqeVpPR2l1WGJiZWhMT3luVS1NcGd5VnFndkZ2T2owUQ?oc=5) · Legacy obituary
- 2014-12-20 [Evan Mathis Obituary - Sandy Springs, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbWROdDRFWmIzMFJDV25XeGJpSkxGYjZIOHFiQThNVS1QWXFONi1QVzhaRS14T0hzSlpGRHRBLUI1a0JUSVd5Vmd0UG5Xbm1xN2VyT3h2SThfSGpGU0ZVOFQ0a3FWWVZVYjhEcUJFeXhwbHNfN29rU1U1N3lZX1R6SDFSTUpBQQ?oc=5) · Dignity Memorial
- 2019-06-05 [Citizens Bank of Americus welcomes Robyn Chesnut - Americus Times-Recorder](https://news.google.com/rss/articles/CBMimgFBVV95cUxPYmZvZ2dQQkp4NDhVTWhDN0pIcy1hZjBOT2R1TmNCdWROeFFWSWFjRlBlZEhxWVdWTW1EZ1hzT1kwSGw2aENXVEVnZ0dmMzRNMXBBWmxnQzhNRXk4WFYxVFBZVTZUbjgzaFQ3cWRWZXpnR3phZHpMbnRURnZreHYyb1dmbm1ETGJOS0JmQ2ZRQzVsTy1CQ0dOMEpB?oc=5) · Americus Times-Recorder
- 2026-07-09 [Russell Thomas, Jr. Obituary (2026) - Americus, GA - Greg Hancock Funeral Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSkVHVEFQMFRMTEZobWJVeUhEV1l3UDNXZTZXMFZDVXhsQnp6QzRkYUFXMHRGSGRUTnc3dHh5WDUzSlBCYl9oTDZOa01RTlJPZzNTYjBnbVVEZW1HVE5DT2YybHZVdlFFYzNDYl9OSjZhQlVCc0w5a0FsdVllY3J5anlSb2ZhTG8?oc=5) · Legacy obituary
- 2022-09-09 [Magnolia Manor wins SGTC Jets Booster Club Sparky Reeves Golf Tournament - Americus Times-Recorder](https://news.google.com/rss/articles/CBMiugFBVV95cUxNY2VWMWF4b3VDTFUyY1luS28wTWxUU1Rqc1EzVEFnSVIxMElGY2UxdzMtOXlwYm94X1JESWE5QXRTRjZ1X2ZWU2wyOWtJYVB1X3VOYkZmUllVY3JSaDhHMEgtaENLYnNaZ1BuV2pwQm9FcXNsQUgtbElPQXh0Z3JZcXd5Qm5GRU5UUlo5ZDlEZ3paY193R25neXFSTklKVlU5WGRBM2g2emE5QVNpdFdla3BhZ2MxOTNfakE?oc=5) · Americus Times-Recorder

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15477 (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/53.json (key "15477", 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