# CITIZENS BANK
CAIRO, GA · FDIC certificate 5712 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $31.5M | |
| Deposits | $27.1M | |
| Loans and leases | $18.9M | |
| Total equity | $4.3M | |
| Loans / deposits | 68.75% (p39 of band) | 75.30% |
| Liquid assets / assets | 35.33% (p58 of band) | |
| Uninsured deposits / deposits | 6.49% (p15 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.61% (p79 of band) | 10.87% |
| Unrealized securities loss / equity | 0.56% (p30 of band) | 1.65% |
| AOCI / equity | 0.63% (p45 of band) | |
| ROA (annualized) | -1.09% (p2 of band) | 0.88% |
| Net interest margin | 3.74% (p54 of band) | 3.67% |
| Efficiency ratio | 127.88% (p99 of band) | |
| Noncurrent loans | 3.60% (p93 of band) | 0.69% |
| Net charge-offs (annualized) | 0.62% (p97 of band) | |
| Reserve coverage of noncurrent | 41.85% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 5.48% (p30 of band) | |
| Auto loans | $850,000 (4.49% of loans; DQ 1.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 | charge-offs p90 |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 5 | noncurrent p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2012-12 | 7 | deposits shrinking, assets shrinking |  |
| 2013-03 | 3 | charge-offs p90 | losing money, expense ratio p90, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-06 | 4 | capital falling, expense ratio p90 | charge-offs p90 |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 4 | losing money |  |
| 2014-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 4 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 3 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 4 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2015-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 6 |  | noncurrent p90 |
| 2015-09 | 6 |  |  |
| 2015-12 | 7 | noncurrent p90 |  |
| 2016-03 | 7 | charge-offs p90 | noncurrent p90 |
| 2016-06 | 7 |  |  |
| 2016-09 | 9 | capital falling, noncurrent 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 - businessalabama.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE5FMUJLMXNTZ3JKNlFDSUhZOWRUWG1wVVdrMkh2SzVDOElmYzVmRm5VUG55bG1hcVFQcng5ajQwQ2wtWlFTcE16c2oxcllIVEdlelpjei1UVnlSRFJhVk1MVnZfQlNHWnhSSzJGc21yMnhmMExU?oc=5) · businessalabama.com
- 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=5712 (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/16.json (key "5712", 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