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Chamber Member Spotlight: The Citizens Bank of Swainsboro

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, now including additional locations in Statesboro and Dublin. The business has stood the test of time. With 60 employees and Milton B. Gray Jr. as president and CEO, “Citizens,” as it’s called by many, is 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 its guiding principle. Citizens appreciates and values its customers and looks forward to earning your business with a personal and professional approach to banking. Citizens’ “Prime Interest” is you.

The bank’s mission is to provide a wide range of quality banking services to the market area, including Emanuel, Laurens, Bulloch, and surrounding counties, to maximize shareholder value, to provide a good working environment and standard of living for its employees, and to promote economic growth and stability of the community. In support of this mission, Citizens is committed to being recognized by its customers for being responsive and oriented to their banking needs by providing the highest quality service in the most cost-effective manner. The bank’s values include delivering high-quality banking services in a Christ-like manner with the goal being to exceed the expectations of customers. Something you may not know about The Citizens Bank of Swainsboro is that it is the deposit share market leader in Emanuel County, which speaks to the quality services rendered by its customer-focused team.

Citizens Bank has been established for more than 100 years and values giving back to its community. One of its greatest investments in the community is the advisory board. Citizens Bank selects quality high school seniors from area high schools annually to serve on The Citizens Bank Student Advisory Board. The business provides 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. In this way, Citizens Bank opens 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. Citizens considers its membership dues to be an investment into the 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 through Thursday, 8:30 a.m. to 4 p.m.

Friday, 8:30 a.m. to 5 p.m.

Saturday, Drive-thru service only, 9 a.m. to 12 p.m.

Phone Number



Social Media

Facebook —

Twitter — @CBSwainsboro

Instagram — @cbswainsboro

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

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