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In 1997, organizers of Citizens Effingham Bancshares, Inc. embarked upon a quest to meet the need in Effingham County, Georgia for a bank committed to promoting economic growth and community involvement. Citizens Bank was organized with the communities that make up Effingham County in mind. Springfield, being centrally located and the county seat, was chosen as the site of the main office, which opened its doors on September 8, 1998. The Rincon office opened November 2, 1998. Rincon is the county's largest municipality. Growth in Effingham County has been phenomenal in recent years.

Firstbank, originally known as First Federal Savings and Loan, opened its doors in July of 1923. While growing with the Tyler community, our history has been intertwined with that of the people, prospering together. Today, more than eighty-five years later, our assets are over $240 million!Over the years, Firstbank has continued to be a secure and strong financial institution. This is due to the efforts of our Founders, Directors, Presidents, Officers and Staff, enduring both the good times and bad.

Export-Import Bank of the United States for not trying to stem the tide. The government agency (Ex-Im Bank for short) provides financing for the export of American goods and services, mainly to developing countries and regions. Ex-Im Bank, which assumes credit and country risks that private-sector lenders cannot or will not stomach, furnishes US businesses (most of them with fewer than 100 employees) with operating credit and export credit insurance, and provides loans and loan guarantees to foreign buyers of US goods. President Franklin D. Roosevelt established Ex-Im Bank as part of the New Deal in 1934.

The Federal Home Loan Bank of Chicago is an $88.1 billion wholesale bank and one of 12 district banks chartered in 1932 by the U.S. Congress to ensure a secure source of mortgage funds to thrifts, insurance companies, and housing finance institutions. In 1989, the charter was expanded to include commercial banks and credit unions through the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA). Today, the FHLB System, which is regulated by the Federal Housing Finance Agency, is over 8,000 members strong.

FHLBank Pittsburgh provides readily available low-cost funding and opportunities for affordable housing and community development to 314 member financial institutions in Delaware, Pennsylvania and West Virginia. It ensures the availability of funds for housing and enhances the quality of the communities it serves.

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