The Citizens Bank of Georgia

Headquarters: Cumming, Georgia
Charter: Bank
Assets: $598.5M
Fed district: Atlanta
Regulator: FDIC
Holding company: Forsyth Bancshares Inc.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: The Citizens Bank of Georgia (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. 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
The Citizens Bank of Georgia: $8 to $10
The Citizens Bank of Georgia: $8 to $10
U.S. median: no median
Overdraft (OD)
The Citizens Bank of Georgia: $35
The Citizens Bank of Georgia: $35
U.S. median: no median
NSF / Returned Item
The Citizens Bank of Georgia: $35
The Citizens Bank of Georgia: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 25% from Q3 2025 to Q2 2026, to $45K.

Service-charge income, Q2 2026

$45K

$36KQ3 2025

$38KQ4 2025

$41KQ1 2026

$45KQ2 2026

Against the median

The Citizens Bank of GeorgiaMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$583M to $612M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (38%) above the median of similar-sized banks.

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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Citizens Bank of Geor…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Citizens Bank of Georgia (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $45K
vs prior quarter: +$4K+9.8%; from Q1 2026
vs a year earlier: +$3K+7.1%; from Q2 2025
vs start of range: +$8K+21.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Citizens Bank of Georgia (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Citizens Bank of Georgia’s own schedules, with a source for each figure.

Account Maintenance

Citizens Checking Monthly Maintenance Fee$10
per month
Interest Checking Monthly Maintenance Fee$8
per month
Account Closing Fee (within 90 days of opening)$20
Dormant Account Fee (per month)$5
per month
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour) | $25.00
Paper Statement Fee$2

Overdraft & NSF

Overdraft Item Fee (per presentment)$35
per item
Schedule of Miscellaneous Fees Returned Item Fee (per presentment)$35
per item

ATM & Card

Replacement Debit Card$5
per item

Wire Transfers

Domestic Wire Transfer Fee-Outgoing$20
Domestic Wire Transfer Fee--Incoming (audience not stated, treated as personal)$15
International Wire Transfer-Outgoing$45
International Wire Transfer-Incoming$30

Check Services

Cashier's Check per check$7
per item
Stop Payment (per item)$35
per item
Check cashing (non-customer)$5
Not compared: Monthly charge, not per item
per month
Collection Item$15
Photocopy of Check$1

Cash & Deposit

Deposited Item Returned (per item)$10
per item

Account Services

Notary per item (non-customer)$5
per item
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Garnishment/Levy Fee$50

Gift & Prepaid Cards

Gift Card$2.50

Other Fees

Copy of Debit Card Transaction$12
Interim or Duplicate Statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Citizens Checking Monthly Maintenance Fee	$10	per month	None
Interest Checking Monthly Maintenance Fee	$8	per month	None
Account Closing Fee (within 90 days of opening)	$20	Not stated	None
Dormant Account Fee (per month)	$5	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	$2	Not stated	None
Overdraft & NSF
Overdraft Item Fee (per presentment)	$35	per item	None
Schedule of Miscellaneous Fees Returned Item Fee (per presentment)	$35	per item	None
ATM & Card
Replacement Debit Card	$5	per item	None
Wire Transfers
Domestic Wire Transfer Fee-Outgoing	$20	Not stated	None
Domestic Wire Transfer Fee--Incoming (audience not stated, treated as personal)	$15	Not stated	None
International Wire Transfer-Outgoing	$45	Not stated	None
International Wire Transfer-Incoming	$30	Not stated	None
Check Services
Cashier's Check per check	$7	per item	None
Stop Payment (per item)	$35	per item	None
Check cashing (non-customer)	$5Not compared: Monthly charge, not per item	per month	None
Collection Item	$15	Not stated	None
Photocopy of Check	$1	Not stated	None
Cash & Deposit
Deposited Item Returned (per item)	$10	per item	None
Account Services
Notary per item (non-customer)	$5	per item	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$2.50	Not stated	None
Other Fees
Copy of Debit Card Transaction	$12	Not stated	None
Interim or Duplicate Statement	$5	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

Correct a fee source

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.

Branches and public record

Where The Citizens Bank of Georgia operates, and what regulators and customers have on file.

Market position

In Atlanta-Sandy Springs-Roswell, GA, The Citizens Bank of Georgia holds 0.2% of bank deposits, #32 of 81, with 4 offices.

Compare fees with the 91 Atlanta-Sandy Springs-Roswell, GA banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 33 institutions shown.

The Citizens Bank of GeorgiaOther banksCredit unions

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).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Atlanta-Sandy Springs-Roswell, GA metro (FDIC metro code 12060), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 30 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Truist Bank23.0%
2Bank of America, National Association19.8%
3Wells Fargo Bank, National Association14.8%
4Pinnacle Bank6.7%
5JPMorgan Chase Bank, National Association5.2%
6Ameris Bank3.6%
7RBC Bank, (Georgia) National Association3.3%
8Regions Bank2.6%
32The Citizens Bank of Georgia0.2%

9 of 81 institutions shown. $255.1B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Atlanta-Sandy Springs-Roswell, GA metro (FDIC metro code 12060)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Atlanta-Sandy Springs-Roswell, GA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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.

Fee change alerts

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