CITIZENS BANK OF SWAINSBORO
SWAINSBORO, GEORGIA · FDIC Cert #11295
Capital & Safety Analysis
According to FDIC financial data, CITIZENS BANK OF SWAINSBORO holds a Tier 1 capital ratio of 16.60%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS BANK OF SWAINSBORO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS BANK OF SWAINSBORO shows strong financial health indicators. With $345M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS BANK OF SWAINSBORO has a Bank Health Score of A (91/100). It holds a Tier 1 capital ratio of 16.60%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS BANK OF SWAINSBORO holds $345M in total assets and $303M in total deposits. It is located in SWAINSBORO, GEORGIA (FDIC Certificate #11295).
CITIZENS BANK OF SWAINSBORO has a Tier 1 capital ratio of 16.60%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.16%, and the return on assets is 2.29%.
Yes. CITIZENS BANK OF SWAINSBORO is FDIC-insured (Certificate #11295). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.