Compared with Georgia
10 of 20
compared fees are above the median.
7 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
11th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Georgia median
of 20 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for The Citizens Bank of Georgia at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Citizens Bank of Georgia's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.7% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (11th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $45K in Q2 2026, 7.1% above the same quarter a year earlier ($42K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 20 compared published fees sit above the Georgia median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Georgia medians for fees published by banks and credit unions.
Monthly Maintenance
Interest Checking $8 · Citizens Checking $10
Compared at $9, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 25% from Q3 2025 to Q2 2026, to $45K. Its share of revenue, 0.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$45K
The Citizens Bank of GeorgiaMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $8 to $10; we compare the midpoint.
The Citizens Bank of Georgia · $599M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Citizens Bank of Georgia(this institution) | Cumming, GA | $599M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| All America Bank | Oklahoma City, OK | $611M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrew Johnson Bank | Greeneville, TN | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AVB Bank | Broken Arrow, OK | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Holly Springs | Holly Springs, MS | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cattlemens Bank | Altus, OK | $595M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank Minnesota | New Ulm, MN | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Crest Savings Bank | Wildwood, NJ | $594M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cross Bank | Wynne, AR | $593M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First United Bank and Trust Company | Madisonville, KY | $591M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier State Bank | Oklahoma City, OK | $609M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Capital Bank | Houston, TX | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hatboro Federal Savings, FA | Hatboro, PA | $598M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank | Wood River, NE | $612M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lee Bank | Lee, MA | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lumbee Guaranty Bank | Pembroke, NC | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palmetto State Bank | Hampton, SC | $597M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Exchange Bank | Winchester, KY | $610M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples National Bank of Kewanee | Kewanee, IL | $588M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pineland Bank | Alma, GA | $597M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PremierBank | Fort Atkinson, WI | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PyraMax Bank, FSB | Greenfield, WI | $589M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regional Missouri Bank | Marceline, MO | $597M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Falls City National Bank | Falls City, TX | $597M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Savings Bank | Effingham, IL | $585M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| WNB FINANCIAL, N.A. | Winona, MN | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its two prices, against a peer median of $6.50 among 11 publishing peers.
Its two checking prices are $8 and $10.
$9 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026. Total assets from FDIC and NCUA records.
Call reports for The Citizens Bank of Georgia (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $45K | +$4K | +9.8% |
| Q1 2026 | $41K | +$3K | +7.9% |
| Q4 2025 | $38K | +$2K | +5.6% |
| Q3 2025 | $36K | −$6K | −14.3% |
| Q2 2025 | $42K | −$1K | −2.3% |
| Q1 2025 | $43K | +$7K | +19.4% |
| Q4 2024 | $36K | −$1K | −2.7% |
| Q3 2024 | $37K | $0 | 0.0% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Citizens Bank of Georgia left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Citizens Bank of Georgia by share.
Amounts from The Citizens Bank of Georgia’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour · Research (per hour) | $25.00
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Citizens Checking Monthly Maintenance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Interest Checking Monthly Maintenance Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (within 90 days of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research (per hour) | $25.00 |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item Fee (per presentment) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Schedule of Miscellaneous Fees Returned Item Fee (per presentment) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer Fee-Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfer Fee--Incoming (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer-Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfer-Incoming | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check per check | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (per item) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check cashing (non-customer) | $5Not compared: Monthly charge, not per item | per month | None |
| Collection Item | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy of Check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned (per item) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary per item (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Debit Card Transaction | $12Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Interim or Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Citizens Bank of Georgia operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $531.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $531.3M |
Atlanta-Sandy Springs-Roswell, GA
0.2% of bank deposits, #32 of 81, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 23% |
| Bank of America, National Association | 19.8% |
| Wells Fargo Bank, National Association | 14.8% |
| Pinnacle Bank | 6.7% |
| JPMorgan Chase Bank, National Association | 5.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Atlanta-Sandy Springs-Roswell, GA, The Citizens Bank of Georgia holds 0.2% of bank deposits, #32 of 81, with 4 offices.
900 offices of 33 institutions shown.
Showing 900 of 1,269 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 81 institutions shown. $255.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% share, 4 offices, #32 of 81
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
230 offices of 52 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.