Is Citizens Bank of the South Safe?
Citizens Bank of the South has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (61/100).
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.
Citizens Bank of the South has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (61/100).