5-Star The Citizens Bank of Swainsboro

Meeting Today’s Needs; Anticipating Tomorrow’s

Swainsboro, Georgia – March 2026: BauerFinancial, the Nation’s Premier Bank Rating Firm, would like to congratulate The Citizens Bank of Swainsboro, GA (which also operates as The Citizens Bank of Laurens and Bulloch First) for earning its highest, 5-Star Superior rating for the 55th consecutive quarter. Having maintained its financial strength and stability for ten years (40 consecutive quarters) or longer, Citizens Bank has also earned an “Exceptional Performance Bank” distinction. This latest rating was assigned in March 2026, based on December 31, 2025 financial data, and signifies that Citizens Bank continues to be one of the strongest banks in the nation.  

“Community banks, like The Citizens Bank, are perfectly positioned to provide the specialized support that is unique to their area,” observes Karen L. Dorway, president of BauerFinancial. “These banks promote local growth by investing back into the same neighborhoods their deposits come from. By fostering these local relationships, they are highly supportive of, and accountable to, their customers. This, in turn, allows them to anticipate new needs and desires and get the wheels in motion to satisfy those as well.”

Since its inception in 1900, Citizens Bank has been an eager supporter of the people in the communities it serves. That should come as no surprise since this is also where its employees live, work and play. Citizens Bank is much more than a dedicated partner for today. It is also working to support the community in the years to come. That’s what it has been doing for 126 years. 

Visit cbs-lc.com.

Citizens Bank of Swainsboro: “Your 5-Star Community Bank.”

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at bauerfinancial.com.

###

BauerFinancial, Inc. P.O. Box 143520, Coral Gables, FL 33114     bauerfinancial.com