🏦Bank Scorer

THE CITIZENS BANK OF SWAINSBORO

SWAINSBORO, GA · Supervised by FDIC

Est. 1900FDIC #11,295RSSD: FDIC-11295
Part ofSWAINSBORO BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.77%

Institution Profile

FDIC BankFind

Address

121 N Main St, SWAINSBORO, GA

County

Emanuel County

Established

January 1, 1900

Total Assets

$419M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$419M

Total Deposits

$366M

Net Loans

$289M

Net Income

$2M

ROA

1.77%

ROE

15.10%

Risk-Based Capital

19.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$353M

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/8da05b54-a767-4582-8cc7-6869d6bc8d61"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: