# CITIZENS STB OF TAYLOR CNTY
REYNOLDS, GA · FDIC certificate 884 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**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 | $60.5M | |
| Deposits | $53.5M | |
| Loans and leases | $27.8M | |
| Total equity | $6.7M | |
| Loans / deposits | 51.22% (p15 of band) | 77.79% |
| Liquid assets / assets | 52.42% (p85 of band) | |
| Uninsured deposits / deposits | 21.72% (p72 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.64% (p36 of band) | 11.56% |
| Unrealized securities loss / equity | 3.10% (p83 of band) | 0.80% |
| AOCI / equity | 5.70% (p80 of band) | |
| ROA (annualized) | 1.11% (p54 of band) | 1.05% |
| Net interest margin | 4.26% (p74 of band) | 3.84% |
| Efficiency ratio | 73.56% (p61 of band) | |
| Noncurrent loans | 0.77% (p59 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 167.29% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 39.67% (p74 of band) | |
| Auto loans | $952,000 (3.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=884 (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/52.json (key "884", 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