Member Spotlight

The Citizens Bank of Swainsboro is the oldest existing financial institution in Swainsboro and Emanuel County, Georgia.

Chartered in 1900 and founded by J.A. Coleman, Sr., The Citizens Bank of Swainsboro is the oldest existing financial institution in Swainsboro and Emanuel County, Georgia, now including additional locations in Statesboro and Dublin.  We’ve stood the test of time.  With 60 employees, and Milton B. Gray, Jr. as President and CEO, we are a full-service community bank offering a wide range of quality banking and insurance products and services to a growing customer base.  Providing prompt, professional, and modern banking services has always been our guiding principle.  We appreciate and value our customers and look forward to earning your business with our personal and professional approach to banking.  Our “Prime Interest” is you.


Our mission is to provide a wide range of quality banking services to our market area, including 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 economic growth and stability of our community.  In support of this mission, we are committed to 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.  Our values include delivering high-quality banking services in a Christ-like manner with our goal being to exceed the expectations of our customers.  Something you may not know about The Citizens Bank of Swainsboro is that we are the deposit share market leader in Emanuel County which speaks to the quality services rendered by our customer-focused team.


Citizens Bank has been established for over 100 years and values giving back to its community.  One of our greatest investments in the community is the advisory board.  We select quality high school seniors from area high schools annually to serve on The Citizens Bank Student Advisory Board.  We provide educational sessions to the students about economic development, city/county government, personal budgeting, and the importance of giving back to their community through volunteerism and encourage them to return to our community following the completion of their secondary education.  We open their eyes to the many opportunities that exist right here in Emanuel County.


The Citizens Bank of Swainsboro has been a member of the Swainsboro-Emanuel County Chamber of Commerce since 1959.  We consider our membership dues to be an investment into our community, promoting economic and retail development in Swainsboro and Emanuel County.  The Chamber of Commerce is the face of the community and supporting them with an annual investment and committing valuable time to their activities will yield future growth for your business and the community.



121 North Main Street

Swainsboro, GA 30401


Hours of Operation:

Monday-Thursday 8:30 AM to 4:00 PM

Friday 8:30 AM to 5:00 PM

Saturday Drive Thru Service Only 9:00 AM to 12:00 PM.


Phone Number: (478) 237-7001




Social Media:  Facebook (, Twitter (@CBSwainsboro), Instagram (@cbswainsboro)

Please do not use social media pages as a source of contact.