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The Citizens Bank
Olanta, SC · FDIC Certificate #15932 · Chartered 09/2
Total assets
$1.14B
Total deposits
$1.01B
Total equity
$122.13M
Net loans
$628.90M
Branches (offices)
26
Net income (YTD)
$7.04M
Rank: #932 of 4,213 U.S. banks by assets · #12 of 43 in South Carolina. Assets changed 7.6% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 11.76% |
| Net interest margin (YTD) | 4.26% |
| Equity to assets | 10.73% |
| Tier 1 leverage ratio | 9.91% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 62.5% |
| Real estate loans (share of loans) | 86.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $546.71M | 86.9% | |
| Commercial & industrial | $49.31M | 7.8% | |
| Consumer / individual | $35.31M | 5.6% | |
| Construction & development | $48.49M | 7.7% | |
| Agricultural | $3.79M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $839.95M | $764.80M | $2.53M | $58.92M |
| Jun 2023 | $987.24M | $891.43M | $6.46M | $86.12M |
| Jun 2024 | $1.01B | $900.71M | $5.48M | $98.68M |
| Jun 2025 | $1.06B | $939.69M | $5.47M | $109.44M |
| Jun 2026 | $1.14B | $1.01B | $7.04M | $122.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $972.37M | 25 |
| North Carolina | $33.75M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.01B.
Similar-sized banks
Security State Bank ($1.14B) · Bayfirst National Bank ($1.14B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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