# CITIZENS STATE BANK
KINGSLAND, GA · FDIC certificate 19753 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $55.8M | |
| Deposits | $51.8M | |
| Loans and leases | $40.2M | |
| Total equity | $3.9M | |
| Loans / deposits | 76.62% (p54 of band) | 74.58% |
| Liquid assets / assets | 17.12% (p18 of band) | |
| Uninsured deposits / deposits | 4.82% (p10 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.46% (p2 of band) | 10.79% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 2.02% |
| AOCI / equity | 0.05% (p19 of band) | |
| ROA (annualized) | -0.76% (p2 of band) | 0.86% |
| Net interest margin | 4.75% (p93 of band) | 3.65% |
| Efficiency ratio | 127.52% (p98 of band) | |
| Noncurrent loans | 0.28% (p33 of band) | 0.67% |
| Net charge-offs (annualized) | 0.05% (p69 of band) | |
| Reserve coverage of noncurrent | 485.84% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 158.34% (p99 of band) | |
| Auto loans | $208,000 (0.52% of loans; DQ 3.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 7 | leverage <7%, capital falling, charge-offs p90 | construction >100% equity |
| 2011-12 | 8 | construction >100% equity |  |
| 2012-03 | 10 | leverage <5%, assets shrinking | charge-offs p90 |
| 2012-06 | 9 | charge-offs p90, deposits shrinking | capital falling, leverage <5% |
| 2012-09 | 9 |  |  |
| 2012-12 | 8 | capital falling | assets shrinking, deposits shrinking |
| 2013-03 | 6 |  | charge-offs p90, capital falling |
| 2013-06 | 6 |  |  |
| 2013-09 | 7 | capital falling |  |
| 2013-12 | 8 | deposits shrinking, assets shrinking | capital falling |
| 2014-03 | 9 | charge-offs p90 |  |
| 2014-06 | 8 | capital falling | deposits shrinking, assets shrinking |
| 2014-09 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-12 | 8 |  | deposits shrinking, assets shrinking |
| 2015-03 | 6 |  | charge-offs p90, uninsured deposits leaving |
| 2015-06 | 8 | capital falling, charge-offs p90, deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2015-09 | 6 |  | deposits shrinking, assets shrinking |
| 2015-12 | 5 |  | capital falling |
| 2016-03 | 6 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2016-06 | 5 | capital falling | deposits shrinking, assets shrinking |

## 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
- 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
- 2021-12-21 [Alabama’s Avadian Credit Union buys bank in year’s 13th such deal - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeEZ3MlhHWTJJUVFxNkRhTk5HZExBbGVGZTFkYkFrdHUzOFRNVG8tYzVwNkRjZExxU0I3RkJXd19Wd2FkVDV1bEt0RmRQTnlSRDh3VEJCOWdjaFhpaUE2Zk5LVHZWMFJ2RkVjVmYwNzFyTzJNa1JvaTlsS3VsbG9uM0JZN3Q4VHZ6ek5NOV9ScFhRdGZwUEdVR2dqdm5zN1ZCVEp4bWo4SQ?oc=5) · Banking Dive
- 2025-07-23 [Cadence acquires Shiner bank, several others in area - Lavaca County Today](https://news.google.com/rss/articles/CBMijwFBVV95cUxQU1F3Y0ExaWtpRWdlcDRpNUNyQjRTN3hnb182WkRIUE5kTHIzYnBCRVlQbFJfUV9qTkQ3SUdod2VnLUY0NGVTbTh4QWZ1X1d3alpFR1JiZXRTTGVGZXVTMktRcnhVcTFmd2JnYVpsdk1SMU1ITGpmblI2dzdFN1lXQVdBd3JNVEZXbEVuVXoxOA?oc=5) · Lavaca County Today
- 2024-06-01 [Troy J. ''T.J.'' Calhoun, Jr. Obituary Sep 29, 2011 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE5qUWFMSkpDeWVuSnlQYkVScXNBTW5hbHlJLWt6dEI0VWZ3Rzl1M0ppekxSQndCTWtkVWZDMDZLMndYa3NKeDJMdHhtVFo5QnVjMzlSenE2SF9TdnRwMHdVZHJsSkFYY2NJSmhpcg?oc=5) · McCullough Funeral Home
- 2023-09-28 [Ballard joins Home State Bank in McPherson - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTFBJMFVVX1l1MnNlMXZpRlF2OG91X056V3NuQlpMYU0tN3dERTFwa0t4cmg2cXRub2hqeHNZQmFBdi1wUWZSNFRET0pxWkc4THg4R1c0S2ZHbUdFeWtKdGRMWjhLaTBIbDhLUE0wSTQ0V25IUQ?oc=5) · Hutch Post
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19753 (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/41.json (key "19753", 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