The Citizens Bank of Georgia
Cumming, Georgia — FDIC-insured institution. Figures below are from its most recent quarterly call report.
call report · Jun 30 · FDIC BankFind
Institution
FDIC-insured bank subsidiary. Its quarterly call report covers the regulated bank only — it excludes any holding company’s non-bank arms (investment banking, asset management). Source: FDIC BankFind Suite (US-Government public domain).
| Location | Cumming, Georgia |
| FDIC certificate | 34229 |
| As of (call report) | 2026-06-30 |
| Primary source | Verify at FDIC BankFind |
Regulatory profile
How this institution is chartered and supervised, from its FDIC registration and most recent call-report balance sheet. Source: FDIC (public).
| Primary federal regulator | Federal Deposit Insurance Corporation (FDIC) |
| Charter class | State-chartered, non-member |
| Established | 1997-02-03 |
| Deposit funding ratio | 88.8% of total assets (as of 2026-06-30) |
| Insurance status | FDIC-insured — active |
How to read these figures
Net interest margin is what the bank earns on loans and securities minus what it pays for deposits and borrowings, as a share of earning assets. Return on assets and return on equity measure profitability. The efficiency ratio is non-interest expense over revenue — lower is better. The Tier 1 leverage ratio is core capital against average assets, a key gauge of how much loss a bank could absorb.
These come from the bank’s regulatory call report and reflect the FDIC-insured bank subsidiary only. New to these terms? The Oxford Ledge lessons walk through bank financials and credit from the ground up, and all tracked banks are ranked by assets.
Questions this page answers
What are The Citizens Bank of Georgia's total assets?
The Citizens Bank of Georgia held $599M in total assets and $531M in total deposits as of its 2026-06-30 FDIC call report.
Is The Citizens Bank of Georgia profitable?
The Citizens Bank of Georgia reported a 1.86% return on assets (ROA) on its most recent quarterly call report. A bank ROA around 1% or higher is generally considered strong.
What is a call report?
A call report is the quarterly financial statement (the FFIEC Consolidated Report of Condition and Income) that every FDIC-insured bank files with regulators. It covers the regulated bank subsidiary only, not any parent holding company's non-bank businesses.
Where does this bank data come from?
These figures are from the FDIC BankFind Suite — US-Government public-domain data — drawn from the institution's most recent quarterly call report.