Citizens Bank of the South Safety Rating
Citizens Bank of the South's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #841 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Citizens Bank of the South's best component is Tier 1 capital (100/100) and its weakest is liquidity (61/100).
This page answers a common banking-safety question: Citizens Bank of the South Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Citizens Bank of the South Safety Rating Breakdown
- Overall rating
- Grade A (88/100)
- National rank
- #841 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 95/100
- Liquidity (25%)
- 61/100
- Profitability (10%)
- 92/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Citizens Bank of the South among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 21% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.79% | 100/100 |
| Nonperforming Loan Ratio | 0.23% | 95/100 |
| Liquidity Ratio | 20.18% | 61/100 |
| Return on Assets | 1.79% | 92/100 |
| Total Assets | $0.3B | |
How does Citizens Bank of the South compare?
With a Bank Health Score of 88/100, Citizens Bank of the South sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Citizens Bank of the South ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 18.79% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.23% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Bank of the South's Bank Health Score fell by 3.0 points to 88/100. Tier 1 capital weakened by 0.42 percentage points to 18.79%. Quarter-over-quarter, the score fell by 2.0 points.
Frequently Asked Questions
Citizens Bank of the South's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #841 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Citizens Bank of the South's best component is Tier 1 capital (100/100) and its weakest is liquidity (61/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Citizens Bank of the South: Tier 1 capital scores 100/100, loan quality 95/100, liquidity 61/100, and profitability 92/100 — combining to 88/100 (grade A).
Citizens Bank of the South's Bank Health Score of 88/100 is 12.0 points above the Georgia state average of 76/100. 123 FDIC-insured banks are headquartered in Georgia.
Yes. Citizens Bank of the South (FDIC certificate #19420) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Citizens Bank of the South
Citizens Bank of the South's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #841 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Citizens Bank of the South's best component is Tier 1 capital (100/100) and its weakest is liquidity (61/100).