Welcome to Citizens Community Bank!
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Personal Loans

We strive to meet the needs of our customers in a polite, efficient, confidential, and friendly manner. Whether it's a car loan, vacation cash, medical needs, home improvements, or whatever your request might be, we have dedicated professionals ready to meet with you to discuss your options. Since we are a locally owned and controlled community bank we are able to give you the quick answer you deserve!

Auto, Boat, and ATV Loans

Finance your next vehicle purchase with Citizens Community Bank, and experience what a difference it makes to work with local lenders.

CD Secured Loans

Leverage your investments with Citizens Community Bank against your loan, using your loan proceeds for any purpose. Your investments will continue to earn interest while your projects are funded by your CD secured loan.

Construction Loans

If you’re considering ways to finance the construction of your home, speak to one of our lenders about a construction loan.

Residential Lot Loans and Land Loans

Citizens Community Bank will help you finance the purchase of land for a variety of purposes. Our lenders will help your dreams for a new home or new farm land become a reality.


We are proud to now offer conventional fixed rate mortgage loans to refinance or purchase a new home. We strive to tailor the loan to fit your needs and will be glad to help in any way we can. Rates have never been lower so please contact Donna Bramlett and let her discuss all the possibilities.

Business/Commercial Loans

We're committed to seeing our community grow and prosper and appreciate any opportunity to fund construction projects, business expansion, equipment purchases, credit lines and other commercial loans that will enhance the quality of living in our great South Georgia area! Our lending staff is a seasoned group of individuals who truly care about you and your ideas and will take the time to listen to your plans and give constructive advice based on years of experience in commercial banking. We look forward to working with you!

When you visit with one of our loan officers to discuss your business loan, please bring the following:

  • Last 2 years of fiscal year-end balance sheets and income statements
  • Detailed business plan if business is a new business
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on business and individual
  • Signed purchase agreement if business is a new acquisition
  • Projections for at least two years – cash flow, balance sheet, and income statement


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