Question 1

What is Citizens Bank of the South?

Accepted Answer

Citizens Bank of the South (CBOTS) is a community bank serving central Georgia with approximately $365 million in total assets. The bank operates three full-service branches across Washington, Bulloch, and Baldwin counties, providing personalized banking services with a focus on local relationships and community involvement.

As an independent community bank with over 60 years of history, Citizens Bank of the South emphasizes prudent growth, customer loyalty, and professional service. The bank's tagline "Simple Banking, Your Way" reflects its commitment to providing straightforward banking solutions tailored to individual customer needs.

Question 2

When was Citizens Bank of the South founded?

Accepted Answer

Citizens Bank of the South was originally founded in 1965 as Citizens Bank of Washington County (CBWC) when it received its charter and began operations in Sandersville, Georgia. The bank was established by a group of local residents who pooled their resources to create a financial institution dedicated to serving community needs.

The bank achieved several milestones throughout its history: In 1971, it opened the first bank branch in Washington County's history on the south side of Sandersville. In 1997, the bank moved its main office to a newly constructed building at 132 S. Harris Street to accommodate continued growth.

The bank expanded into Bulloch County in 2006 by opening a loan production office in Statesboro, which became a full-service branch in 2008. In 2016, the bank adopted the unified trade name "Citizens Bank of the South" for all its locations. In 2017, the bank expanded into Baldwin County by opening a branch in Milledgeville. The bank celebrated its 60th anniversary in 2025.

Question 3

Where is Citizens Bank of the South headquartered?

Accepted Answer

Citizens Bank of the South is headquartered in Sandersville, Georgia, located in Washington County. The main office is situated at 132 S. Harris Street, where the bank relocated in 1997 to accommodate its growing operations.

Sandersville serves as the historical heart of the bank, where it was founded in 1965 and has maintained its commitment to serving the local community for six decades.

Question 4

Where does Citizens Bank of the South operate?

Accepted Answer

Citizens Bank of the South operates three full-service branches across central Georgia:
• Sandersville: 132 S. Harris Street (main office) and a south side location
• Statesboro: 425 Commerce Drive (Bulloch County)
• Milledgeville: 121 Executive Parkway (Baldwin County)

The bank serves customers throughout Washington, Bulloch, and Baldwin counties, as well as surrounding areas in central Georgia. All locations offer drive-through services, and the Sandersville main office drive-thru operates on Saturdays from 9:00 AM to noon for added customer convenience.

Question 5

What services does Citizens Bank of the South offer?

Accepted Answer

Citizens Bank of the South provides a comprehensive range of personal and business banking services. Personal banking products include checking accounts, savings accounts, money market accounts, and certificates of deposit, as well as Individual Retirement Accounts (IRAs) for retirement planning.

The bank offers various lending products to help individuals and families achieve their financial goals, including residential mortgages, home equity loans, automobile loans, and personal loans. Business customers have access to commercial checking accounts, business savings, and commercial lending products to support local enterprises and small businesses.

Digital banking services include online banking and mobile banking applications, enabling customers to manage their accounts, transfer funds, and conduct banking transactions remotely. The bank also provides traditional services such as safe deposit boxes and notary services at its branch locations.

Question 6

What makes Citizens Bank of the South unique?

Accepted Answer

Citizens Bank of the South distinguishes itself through its deep roots in central Georgia communities and its genuine commitment to personalized service. With over 60 years of banking experience in the region, CBOTS has built lasting relationships spanning multiple generations of customers.

The bank maintains a community-focused approach, supporting local businesses, start-up companies, and individuals with their financial needs. CBOTS emphasizes accessibility and convenience, with friendly customer service representatives available to assist customers by phone at 1-877-99-CBOTS or in person at any branch location.

Despite banking industry consolidation trends, Citizens Bank of the South has remained independent and committed to its local markets, choosing strategic expansion within central Georgia rather than pursuing aggressive growth that might compromise service quality. The bank's 2025 60th anniversary celebration underscores its stability and longevity in serving the region.

Question 7

What type of financial institution is Citizens Bank of the South?

Accepted Answer

Citizens Bank of the South is a State Commercial Bank with a strong community banking focus. The bank is state-chartered, FDIC-insured (Certificate #19420), and emphasizes commercial lending specialization to support local businesses and economic development.

As a community bank, Citizens Bank of the South operates independently without being part of a larger bank holding company, allowing it to maintain local control over lending decisions and community involvement initiatives. This independence enables the bank to respond quickly to customer needs and adapt its services to the specific requirements of central Georgia communities.

Citizens Bank of the South

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About Citizens Bank of the South in the United States