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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cumming, GA · FDIC certificate #34229
CITIZENS BANK OF GEORGIA is an FDIC-insured institution based in Cumming, GA (FDIC certificate #34229). In its Q3 2026 Call Report it reported total assets of $606M, total deposits of $540M and net loans of $332M. Its primary federal regulator is FDIC.
Reported facts
CITIZENS BANK OF GEORGIA (FDIC certificate #34229) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $606M |
|---|---|
| Total deposits | $540M |
| Net loans and leases | $332M |
| Return on assets | 1.88% |
| Return on equity | 18.03% |
| Net interest margin | 4.12% |
| Quarterly asset change | 1.30% |
| Quarterly deposit change | 1.62% |
Plain-language readout
CITIZENS BANK OF GEORGIA in Cumming, GA reported total assets of $606M, total deposits of $540M and net loans of $332M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.88%, a return on equity of 18.03%, a net interest margin of 4.12%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $606M | $540M | $332M | 1.88% | 18.03% | 4.12% |
| Q2 2026 | $599M | $531M | $322M | 1.86% | 17.94% | 4.07% |
| Q1 2026 | $622M | $556M | $320M | 1.79% | 17.76% | 3.96% |
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