Bank Of Madison vs The Citizens Bank Of Swainsboro
Comparing a Bank in Madison, GA with a Bank in Swainsboro, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Of Madison ↗ Bank · Madison, GA · Est. 1890 | The Citizens Bank Of Swainsboro ↗ Bank · Swainsboro, GA · Est. 1900 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Madison, GA | Swainsboro, GA |
| Total assets | $449.1M | $418.9M |
| Capital ratio | 9.9% | 11.7% |
| Return on assets | 2.0% | 1.8% |
| Deposits | $400.8M | $365.7M |
| Branches | 4 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 124 | #1 of 124 |
| Established | 1890 | 1900 |
Bank Of Madison
- Assets: $449.1M
- Deposits: $400.8M
- Capital ratio: 9.9%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #5 of 124
The Citizens Bank Of Swainsboro
- Assets: $418.9M
- Deposits: $365.7M
- Capital ratio: 11.7%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 124
Are both institutions federally insured?
Yes. Bank Of Madison is FDIC-insured and The Citizens Bank Of Swainsboro is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Of Madison or The Citizens Bank Of Swainsboro?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Of Madison scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Of Madison safe?
Yes — Bank Of Madison is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The Citizens Bank Of Swainsboro safe?
Yes — The Citizens Bank Of Swainsboro is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Of Madison vs The Citizens Bank Of Swainsboro?
Bank Of Madison has a capital ratio of 9.9%, placing it in the bottom 46% of $100M–1B peers. The Citizens Bank Of Swainsboro's ratio is 11.7%, placing it in the top 30% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Of Madison have compared to The Citizens Bank Of Swainsboro?
The CFPB database shows 0 complaints against Bank Of Madison, and 0 complaints against The Citizens Bank Of Swainsboro. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Of Madison with other Banks in Georgia
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
