Citizens Bank Of The South (FDIC #19420): Bank Stress & Real-Estate Credit Exposure

Citizens Bank Of The South (FDIC Cert #19420): bank stress 51/100, moderate, STABLE over 7 days.

Citizens Bank Of The South (#19420) lends in 3 counties across 1 state; Citizens Bank Of The South (#19420) reaches 26 ZIP codes: Georgia 3 counties, 26 ZIPs.

Citizens Bank Of The South (#19420) largest markets: Bulloch County, GA (11 branches, 11 ZIPs) (#19420), Washington County, GA (10 branches, 10 ZIPs) (#19420), Baldwin County, GA (7 branches, 7 ZIPs) (#19420).

Citizens Bank Of The South (#19420) reports $395.1 million in total assets; Citizens Bank Of The South (#19420) equity $48.4 million (12.2% of Citizens Bank Of The South (#19420) assets); Citizens Bank Of The South (#19420) domestic deposits $345.6 million; Citizens Bank Of The South (#19420) net income $3.0 million; Citizens Bank Of The South (#19420) return on assets 1.58%; Citizens Bank Of The South (#19420) return on equity 12.79%; Citizens Bank Of The South (#19420) net interest income $9.2 million; Citizens Bank Of The South (#19420) call report June 30, 2026.

Citizens Bank Of The South (#19420) noncurrent real-estate loans 0.04% of its book; Citizens Bank Of The South (#19420) residential 0.17%; Citizens Bank Of The South (#19420) net charge-offs on real estate 0.43%.

Citizens Bank Of The South (#19420) net interest margin 5.00% against an eight-quarter Citizens Bank Of The South (#19420) average of 5.01% (Citizens Bank Of The South (#19420) compression 0.01 points); Citizens Bank Of The South (#19420) real-estate loans 4.4% of equity; Citizens Bank Of The South (#19420) rate-exposure score 40/100, Citizens Bank Of The South (#19420) fixed-rate trap 40/100; Citizens Bank Of The South (#19420) risk type credit driven; Citizens Bank Of The South (#19420) rate regime rates elevated, Citizens Bank Of The South (#19420) snapshot October 20, 2026.

Citizens Bank Of The South (#19420) stress score moved from 52.3 on June 22, 2026 to 51.1 on October 20, 2026; Citizens Bank Of The South (#19420) ranged 51.1 to 52.3 over 117 snapshots.

Citizens Bank Of The South (#19420) alerts: 3 counties; top Citizens Bank Of The South (#19420) alert scores: Milledgeville County, GA 18 (low); Sandersville County, GA 18 (low); Statesboro County, GA 18 (low).