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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.
Plain-language readout
CITIZENS BANK OF GEORGIA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $622M in Q1 2026 and were lowest at $599M in Q2 2026.
Total deposits were highest at $556M in Q1 2026 and lowest at $531M in Q2 2026.
Over the whole period total assets fell 2.5%.
| 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% |
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $606M | $540M | $332M | 1.88% | 18.03% | 4.12% |
| 2026-06-30 | $599M | $531M | $322M | 1.86% | 17.94% | 4.07% |
| 2026-03-31 | $622M | $556M | $320M | 1.79% | 17.76% | 3.96% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| GA | $532.9M | 0.15% | 48 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.