Citizens Bank of the South quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $395M | $343M | $292M | $47M | $1M | 1.52% | 12.21% | 4.99% | 0.40% |
| Q4 2025 | $362M | $309M | $279M | $47M | $2M | 1.61% | 12.73% | 5.14% | 0.20% |
| Q3 2025 | $365M | $312M | $274M | $45M | $1M | 1.48% | 11.84% | 5.09% | 0.23% |
| Q2 2025 | $346M | $296M | $262M | $44M | $1M | 1.41% | 11.19% | 5.04% | 0.20% |
| Q1 2025 | $341M | $297M | $252M | $42M | $1M | 1.29% | 10.32% | 4.87% | 0.23% |
| Q4 2024 | $339M | $296M | $243M | $43M | $1M | 1.46% | 11.73% | 4.97% | 0.24% |
| Q3 2024 | $322M | $280M | $241M | $41M | $1M | 1.38% | 11.13% | 4.96% | 0.18% |
| Q2 2024 | $312M | $272M | $234M | $40M | $1M | 1.37% | 11.11% | 4.94% | 0.23% |
| Q1 2024 | $322M | $283M | $231M | $38M | $1M | 1.27% | 10.45% | 4.79% | 0.34% |
| Q4 2023 | $311M | $271M | $226M | $38M | $1M | 1.37% | 12.12% | 4.76% | 0.31% |
| Q3 2023 | $305M | $267M | $218M | $37M | $1M | 1.34% | 12.10% | 4.74% | 0.28% |
| Q2 2023 | $320M | $284M | $208M | $35M | $1M | 1.29% | 12.04% | 4.65% | 0.29% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.