Citizens Community Bank

Headquarters

120 West Main Street
Hahira, GA 31632
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.95% →
1-Year CD 0.60% 1.01% →
2-Year CD 0.60% 0.95% →
5-Year CD 0.65% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Citizens Community Bank is an FDIC insured institution located in Hahira, GA. It was founded in 1927 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 12079
Date Established 1927
Assets $ 144.82 million
Loans $ 87.67 million
Deposits $ 126.43 million
Capital $ 18.24 million
 

For a more detailed analysis of Citizens Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.35% $100,000 $199,999 Learn More
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.55% $10,000 $14,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.55% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.567% 2.500% 0.88 $2,216 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Citizens Community Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Citizens Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Citizens Community Bank Locations


Financial Details

Citizens Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens Community Bank U.S. Bank Average
8.56% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Citizens Community Bank had $954,000 in non-current loans and $691,000 in owned real estate. To cover these potential losses it had $18,238,000 in equity and $982,000 in loans loss reserves. That gives it a Texas Ratio of 8.56%.

Return on Equity
Citizens Community Bank U.S. Bank Average
8.77% 7.80%

Citizens Community Bank has a Return on Equity of 8.77% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens Community Bank U.S. Bank Average
12.59% 12.68%

Citizens Community Bank has a Capitalization of 12.59% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Community Bank Balance Sheet Analysis

As of March 31, 2020, Citizens Community Bank had assets of $144,824,000, loans of $87,668,000, and deposits of $126,434,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 14.57 million
Interest-bearing balances $ 9.83 million
Total securities $ 36.72 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 87.67 million
Loan loss allowance $ 0.98 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.69 million
Goodwill and other intangibles N.A.
All other assets $ 3.31 million
     Total Assets $ 126.59 million
LIABILITIES
Total deposits $ 126.43 million
      Interest-bearing deposits $ 93.36 million
      Deposits held in domestic offices $ 126.43 million
      % insured (estimated) 88.36%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.15 million
      Total Liabilities $ 126.59 million
      Shareholders’ Equity $ 18.24 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.60 million
Total Interest Expense $ 0.23 million
Net interest income $ 1.38 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.18 million
Total non interest expense $ 1.11 million
Pre-tax Net Operating Income $ 0.40 million

Bank Loan Profile?

The top three loan types in Citizens Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks, Citizens Community Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.37
Multifamily
Mortgages
0.46
Credit Card Loans 0.00
Consumer Auto Loans 2.57
Small Business Loans 0.00
Construction and Development Loans 8.60
Commercial Real Estate 40.33
Commercial and Industrial Loans 8.05
Farm Loans 0.11

Frequently Asked Questions About Citizens Community Bank

Branches and Savings

Is Citizens Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12079.

Why does Citizens Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens Community Bank a commercial bank?

Yes

Where are Citizens Community Bank locations?

See branch locations nearby.

Is Citizens Community Bank open on Saturdays?

Is Citizens Community Bank open on Sundays?

What time does Citizens Community Bank open?

What time does Citizens Community Bank close?

Are Citizens Community Bank ATMs Open 24/7?

Do Citizens Community Bank ATMs accept cash deposits?

Can Citizens Community Bank customers use other ATMs?

Do Citizens Community Bank branches have notaries?

Will Citizens Community Bank notarize my document?

What address for Citizens Community Bank should I put for incoming ACH transfers?

Will the Citizens Community Bank branch print checks?

Do Citizens Community Bank checks expire?

Does Citizens Community Bank require US citizenship to open account?

Can Citizens Community Bank close my account?

Does Citizens Community Bank Report to credit bureaus?

Does Citizens Community Bank Use Equifax?

What is Citizens Community Bank's ACH Routing Number?

What is Citizens Community Bank's SWIFT code?

Products

Does Citizens Community Bank offer mortgages?

Compare mortgage rates here.

Does Citizens Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Community Bank offer personal loans?

Compare personal loan rates here.

Does Citizens Community Bank offer student loans?

Will Citizens Community Bank cash a check?

Will Citizens Community Bank redeem a savings bond?

Does Citizens Community Bank cash savings bonds?

Will Citizens Community Bank cash money orders?

Can Citizens Community Bank issue a money order?

Does Citizens Community Bank do currency exchange?

Background on The Bank

Who owns Citizens Community Bank?

How long has Citizens Community Bank been around?

Can Citizens Community Bank transfer to other banks?

Does Citizens Community Bank have quick pay?

Does Citizens Community Bank accept rolled coins?

Will Citizens Community Bank accept loose change?

Where is Citizens Community Bank headquarters?

Customer Reviews for Citizens Community Bank

There are currently no comments for Citizens Community Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →