SWAINSBORO BANKSHARES INC is the parent banking group. THE CITIZENS BANK OF SWAINSBORO is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

SWAINSBORO BANKSHARES INC

Legal name: SWAINSBORO BANKSHARES, INC.

1 active bank · $419M combined assets

RSSD ID: 1976607 (FFIEC NIC)

Combined Assets

$419M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE CITIZENS BANK OF SWAINSBOROSWAINSBORO, GASatisfactory$419MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$419M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$366M

Net Income

$2M

ROA (avg)

1.77%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE CITIZENS BANK OF SWAINSBORO	SWAINSBORO, GA	FDIC	$419M	100.0%	Satisfactory	Oct 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.