# CITIZENS BANK OF THE SOUTH
SANDERSVILLE, GA · FDIC certificate 19420 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $395.1M | |
| Deposits | $345.6M | |
| Loans and leases | $303.8M | |
| Total equity | $48.4M | |
| Loans / deposits | 86.81% (p64 of band) | 82.04% |
| Liquid assets / assets | 20.13% (p32 of band) | |
| Uninsured deposits / deposits | 30.81% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.94% (p68 of band) | 10.81% |
| Unrealized securities loss / equity | -0.80% (p87 of band) | -8.10% |
| AOCI / equity | -0.21% (p59 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 5.00% (p93 of band) | 3.91% |
| Efficiency ratio | 58.07% (p40 of band) | |
| Noncurrent loans | 0.45% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 273.01% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 74.57% (p75 of band) | |
| Auto loans | $6.1M (2.01% of loans; DQ 1.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | charge-offs p90, reserve under noncurrent | construction >100% equity |
| 2011-09 | 2 | capital falling | charge-offs p90 |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 1 |  | deposits shrinking |
| 2013-06 | 1 | deposits shrinking | reserve under noncurrent |
| 2013-09 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2013-12 | 3 | charge-offs p90 | wholesale funding >15% |
| 2014-03 | 1 |  | deposits shrinking, reserve under noncurrent |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | assets shrinking |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 4 | charge-offs p90, deposits shrinking |  |
| 2015-06 | 3 |  | deposits shrinking |
| 2015-09 | 2 |  | assets shrinking |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | charge-offs p90, capital falling |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking |
| 2024-06 | 1 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 0 |  | construction >100% equity, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-07-27 [Citizens Bank of the South promotes Lora Akins to account relationship manager - Grice Connect](https://news.google.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?oc=5) · Grice Connect
- 2026-07-29 [Citizens Bank of the South promotes Lora Akins - Statesboro Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVXRqUWQ2ZjFQT2tlUjQxV2pEU2tzYUtwX0JMc2NWeG5fOUxLSS1TNmRXaVA2ZGxxak13T1RGVFV5S0ZvRWxKMEpVTmprSVNFVjFXekZwQlFGdFp3V0U5NzZRWERsekRZVVJpcXI0V1hTQTFyTG5zQU5aS3pGeUppWmVWb3BmRHhrQzVjZkoxWQ?oc=5) · Statesboro Herald
- 2026-03-10 [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
- 2026-07-31 [Huling elected to Leadership GBA Board of Directors - Grice Connect](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZDVzbS1YdDdIanlDM3BWamZ2dVZKMDRTYk80QWtQRXk3RlV2dmtfMEEwNTVKdEpJUUF0VTV0TlYzRFlZVU44OWVCeEp5RUpIS3JPTVdxem0tUzNKNlRqWG9DT3hqalgtdnlTUTNvV2tWRWw3Z29KdEpqRHJLM0VmQl9qVHd6Yk9nbHoxVDhnQVVIc3NybG9XdWVpOTkyZklXVUHSAacBQVVfeXFMUGVLZnRRRmtweDg4OTN3RHBzYkNTcUNpUWlTNjMyMkg4eUtCalltbk9nZmVjVE9INEtoU3JxX2ZrdmZ6YW9EdGR1X1ZrR0lDeTBHT3JSS3NZSUIzSi1jN1cxUVlHWTcyOFV5eExGamdNSHJjalNSc1ZTR3dLYl95bnNQTWdXMEVIdnEwdEJ4QnZYa3ZuWTU4UzF2MUJOalZBRHpTMktKa1k?oc=5) · Grice Connect
- 2021-09-18 [Heather Frazier Obituary Sep 18, 2021 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMiekFVX3lxTE52eDQ5emJ5bUZtRU96QkJtN1lvb2pNbURJRjhCUmV3QThfUjB0bXlIVlVXSE85Uk9KQkNwX011SUU0clZmT3JvREpsWnR3MG9rZmVlamtvb3VKNGl6LTRyZnJCOVppTHFfblduaTZvQlo0ZWZvNktkSG9n?oc=5) · May & Smith Funeral Directors
- 2022-08-24 [Citizens Bank of the South names Huling president - Statesboro Herald](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMUhMVDlXdUc1ZEYtUl9LbDVEd2ttN0F5Vkd1Q0Q0Y3VkNTNYeXBqRG94Rjh6LVhXLWVoZnpjT2xQekFBS2xNaU8wZDFrWEw5YWVUcTQ5MURteGdNcTdmUDEzd0xvdWpJTUFHQjg4VHEtN0dkYVJjZE5MNlVNdVg4X0FhWnpqNDAxLUE?oc=5) · Statesboro Herald
- 2022-11-08 [Fortune named VP, chief marketing officer at Citizens Bank of the South - Statesboro Herald](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRWhxUFJTVXdmMXFEUWFOb1drYVJfUi1IYW5EdTU1Z0NXSTRrc3dYM05JZHdMT2NqUjdwSXNPazZ1VnJwRVVwU2FHY2xhd0ltZzVxTU5yaEhRWkt5Q1BWRzdmaEE0V1FxdXY1eERJcEJHUDZiZXk2M1BhNkhNbnVQNDR0QjA1cmNmWTF0WkQwVW1MYnJ4WDRvR0thZjVrMDl4LUE?oc=5) · Statesboro Herald
- 2022-11-04 [Mincey named Assistant Vice President of Citizens Bank of the South - Grice Connect](https://news.google.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?oc=5) · Grice Connect

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19420 (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/28.json (key "19420", 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