# CITIZENS BANK
NASHVILLE, GA · FDIC certificate 15934 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $257.7M | |
| Deposits | $220.2M | |
| Loans and leases | $164.7M | |
| Total equity | $36.1M | |
| Loans / deposits | 73.73% (p46 of band) | 75.62% |
| Liquid assets / assets | 32.27% (p52 of band) | |
| Uninsured deposits / deposits | 19.98% (p65 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.05% (p76 of band) | 11.43% |
| Unrealized securities loss / equity | 0.35% (p46 of band) | 0.53% |
| AOCI / equity | 0.00% (p42 of band) | |
| ROA (annualized) | 0.26% (p14 of band) | 0.92% |
| Net interest margin | 3.64% (p48 of band) | 3.67% |
| Efficiency ratio | 92.55% (p88 of band) | |
| Noncurrent loans | 1.68% (p79 of band) | 0.57% |
| Net charge-offs (annualized) | 0.25% (p93 of band) | |
| Reserve coverage of noncurrent | 84.25% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 46.48% (p78 of band) | |
| Auto loans | $3.9M (2.37% of loans; DQ 8.45%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | capital falling, charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 |  | losing money, capital falling, charge-offs p90 |
| 2012-06 | 2 | losing money |  |
| 2012-09 | 2 | charge-offs p90 | losing money |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 4 | deposits shrinking, assets shrinking |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | charge-offs p90 |
| 2014-09 | 3 | charge-offs p90 | assets shrinking |
| 2014-12 | 1 |  | deposits shrinking, charge-offs p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 2 |  | noncurrent p90 |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2018-06 | 3 | deposits shrinking |  |
| 2018-09 | 2 | noncurrent p90 | charge-offs p90, deposits shrinking |
| 2018-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 3 | capital falling, charge-offs p90 |  |

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

- 2026-04-01 [CB&S Bank Parent Company Completes Acquisition of Citizens Bank & Trust - Discover Dade](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVHhhWXFRemhZT2VTdUxmVUVvcWtWTThDYzFjYklXUVVkbFdGN2ZkRjZxc3JfU2w4WVZsRTg1VUg4N29zZnlwR2JOQXpFRU9PRWZMREdwcTBpbjNocE9ydm5rT0FTcUpoZk5kRkxiZGFoUkZuQ2h2RGxWYWRaMXEwLW5hU0lzYVRjVWZuVmhnRkI2aDkxbzl0ajNhTDJ1Y01TcEdpVk5zdw?oc=5) · Discover Dade
- 2026-03-10 [Schubert named corporate VP, Baldwin Co. Market President of Citizens Bank of the South - The Union-Recorder](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNak93cUdHQU5uZzlqUFBBQjBDOTY5SmtabXAyR3BwY0RfWXhuZDRQSl9BVXZQVWl4N3dLZldZSTRpQ3pKaUV1dDc5b25fM2NkdmRxUHBFTUlISTkzRkszdFhNVDFMZ2w3WXB0ejhmaFMyWmRsMkVja0J3dDZVTlo5QlJtcFNOZTk5WWJjVUlxQzUzeGR3OFM5MUZCLXpwaGo5SDlKQ0E3V2lORjhnZzVJMnJKWFJNTWtLU1JIR18zWnc?oc=5) · The Union-Recorder
- 2026-07-29 [Citizens Bank of the South promotes Lora Akins - Statesboro Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVXRqUWQ2ZjFQT2tlUjQxV2pEU2tzYUtwX0JMc2NWeG5fOUxLSS1TNmRXaVA2ZGxxak13T1RGVFV5S0ZvRWxKMEpVTmprSVNFVjFXekZwQlFGdFp3V0U5NzZRWERsekRZVVJpcXI0V1hTQTFyTG5zQU5aS3pGeUppWmVWb3BmRHhrQzVjZkoxWQ?oc=5) · Statesboro Herald
- 2026-04-21 [First Citizens Appoints New Executive Vice President for its South Region - PR Newswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPTko1Q2w5YlFWRENUSVZhRHVoV3hIREFIMGlqUEJydlZuODdjTFhNX2w3eEdBODljbjRnei1DakFQSVhmMnQzNHFTSWRRZExrQy1MbzBLdHVPdzZTQTRUeVpKVDJZS09YcjdhakQySzFzUVVoYUxFVGdHOWRlbDVLN1cySFN4WEtDbWM2QTdKNHdlUWI1TmE5SVMyNnEwLVcyQmxQZkJ5QW96RndWNlZiRGs5MldlMGM3R0k1ZVFhaHc3Y1VpOGNnMw?oc=5) · PR Newswire
- 2026-07-28 [Ameris Bank hires Atlanta market leader from First Citizens to build on growth - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxONm5mS2RDMWluMmpKZEw4QXJkZUtaSUdIaVVPTjV1Z3Q2S3l3V2JhX29ZZGk3SzJQelZTcFdqWGpGSTZpLV95RFFxYVQ3eW5LOEpTeFM0X2JRMDVvZXNJNjVCUlJzNWhpQ0JqRmRQdl9kbjFLcExNVTRIZVV1dDdKYURDZUFtdmVvcG1HY2FsUDdMcV9MSVZ2UWV3?oc=5) · The Business Journals
- 2026-04-01 [CBS Banc-Corp. acquires TAG Bancshares - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE5FMUJLMXNTZ3JKNlFDSUhZOWRUWG1wVVdrMkh2SzVDOElmYzVmRm5VUG55bG1hcVFQcng5ajQwQ2wtWlFTcE16c2oxcllIVEdlelpjei1UVnlSRFJhVk1MVnZfQlNHWnhSSzJGc21yMnhmMExU?oc=5) · Business Alabama Magazine
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-04 [Planters & Citizens Bank celebrates grand opening of Sylvester branch - Tifton Gazette](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeFZYZjR5ekU2aGZiZGxxN3l0SndaNGVIaDhfMEgxMXlIS3N5MWN5LVdhNm9CRXVBMkRUdHVWbnB1RVUySnluMTBHcUFrUE5pMUpjSnRVY0I2enpwRDNXMEE5dUJHcUtyZ243VmhUT1l0WEJNdGZuVmZoVkdGLTJ5YTZlb0w5anhpUTJOTFRaQTA4N1N6ZExQOFdOLXJpSXc5TTdBbFhjWWE?oc=5) · Tifton Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15934 (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/62.json (key "15934", 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