Citizens Bank Of Swainsboro (FDIC #11295): Bank Stress & Real-Estate Credit Exposure
Citizens Bank Of Swainsboro (FDIC Cert #11295): bank stress 47/100, moderate, STABLE over 7 days; parent SWAINSBORO BANKSHARES INC.
Citizens Bank Of Swainsboro (#11295) lends in 3 counties across 1 state; Citizens Bank Of Swainsboro (#11295) reaches 34 ZIP codes: Georgia 3 counties, 34 ZIPs.
Citizens Bank Of Swainsboro (#11295) largest markets: Laurens County, GA (30 branches, 15 ZIPs) (#11295), Emanuel County, GA (26 branches, 13 ZIPs) (#11295), Bulloch County, GA (11 branches, 11 ZIPs) (#11295).
Citizens Bank Of Swainsboro (#11295) reports $420.5 million in total assets; Citizens Bank Of Swainsboro (#11295) equity $50.7 million (12.1% of Citizens Bank Of Swainsboro (#11295) assets); Citizens Bank Of Swainsboro (#11295) domestic deposits $365.1 million; Citizens Bank Of Swainsboro (#11295) net income $3.8 million; Citizens Bank Of Swainsboro (#11295) return on assets 1.83%; Citizens Bank Of Swainsboro (#11295) return on equity 15.48%; Citizens Bank Of Swainsboro (#11295) net interest income $9.8 million; Citizens Bank Of Swainsboro (#11295) call report June 30, 2026.
Citizens Bank Of Swainsboro (#11295) noncurrent real-estate loans: none reported; Citizens Bank Of Swainsboro (#11295) net charge-offs on real estate 0.29%.
Citizens Bank Of Swainsboro (#11295) net interest margin 4.93% against an eight-quarter Citizens Bank Of Swainsboro (#11295) average of 5.00% (Citizens Bank Of Swainsboro (#11295) compression 0.07 points); Citizens Bank Of Swainsboro (#11295) rate-exposure score 40/100, Citizens Bank Of Swainsboro (#11295) fixed-rate trap 40/100; Citizens Bank Of Swainsboro (#11295) risk type credit driven; Citizens Bank Of Swainsboro (#11295) rate regime rates elevated, Citizens Bank Of Swainsboro (#11295) snapshot October 19, 2026.
Citizens Bank Of Swainsboro (#11295) stress score moved from 47.9 on June 22, 2026 to 46.6 on October 19, 2026; Citizens Bank Of Swainsboro (#11295) ranged 46.6 to 47.9 over 116 snapshots.
Citizens Bank Of Swainsboro (#11295) alerts: 3 counties; top Citizens Bank Of Swainsboro (#11295) alert scores: Dublin County, GA 17 (low); Statesboro County, GA 17 (low); Swainsboro County, GA 17 (low).