Thanksgiving Hours

We will be closed Thursday, November 28th and Saturday, November 30th.
Drive-thru service only Friday, November 29th from 9am until noon
at the South Main Drive Thru Branch.

Check Fraud Tips

The ABA and U.S. Postal Inspection Service
joint effort to combat check fraud

Agriculture

is the backbone of our community.

Always Local

& NOW We Are Mobile
Download our app today.

Always Local

Mortgage Lending Services with great Rates and Terms.

Commercial Loans

A trusted partner to help
make your dream a reality.

Our Biggest Assets

are not locked in the vault.

Investing

in Our Future.
Supporter of East Georgia College

Green and Growing

Invested in the communities we serve.

Insurance
Services

For all of your insurance needs
Life, Home, Auto & Commercial

Latest News

Aug
15
Banking Bytes – Deepfake Fraud
May
14
Banking Bytes – Caching
Apr
5
Check Fraud
Mar
22
Citizens Bank of Swainsboro has once again earned its Top (5- Star) Rating for financial strength and stability.
Sep
9
IRS Reporting Mandates
Mar
2
Ben Ross elected to Citizens Bank of Swainsboro
Mar
19
Internet Solutions TLS 1.0 Retirement Date Extended
Dec
19
Protect Your Money
Sep
14
Equifax Data Breach
Oct
10
Beware of Phishing Text Scam

Get Started

Banking Services

Lending Services

Mortgage Services

CBS Insurance Services

Management Team

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Providing the Highest Quality Service

The mission of The Citizens Bank of Swainsboro/Laurens County is “to efficiently provide a wide range of quality banking services to our market area which includes Emanuel, Laurens, Bulloch and surrounding counties; to maximize shareholder value, to provide a good working environment and standard of living for our employees and to promote the economic growth and stability of our community.” In support of this mission, we are committed to the following: Being recognized by our customers for being responsive and oriented to their banking needs by providing the highest quality service in the most cost effective manner.