The Citizens Bank
Olanta, SC
IDRSSD: 898627
Total Assets
$1.10B
Latest filing
Total Deposits
$978.21M
Latest filing
Net Interest Margin
4.43%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank
124 East Main Street
Olanta, SC 29114
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/24/1938FDIC Certificate 10164
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The Citizens Bank (Main) | 124 East Main Street | Olanta, SC |
| JOHNSONVILLE BRANCH | 127 S Georgetown Hwy | Johnsonville, SC |
| NORTH MYRTLE BEACH BRANCH | 1020 Highway 17 N | North Myrtle Beach, SC |
| TURBEVILLE BRANCH | 1718 Main St | Turbeville, SC |
| LAKE CITY BRANCH | 209 E Main St | Lake City, SC |
| SUMTER BRANCH | 1225 Alice Dr | Sumter, SC |
| PAWLEYS ISLAND BRANCH | 11022 Ocean Hwy | Pawleys Island, SC |
| LYNCHBURG BRANCH | 11 Willow Grove Road | Lynchburg, SC |
Showing 7 of 24
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/24/1938 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29114 |
| State and County Number | 45041 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Florence, SC |
Operational Info
| Number of Employees | 192 |
| Domestic Offices | 24 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/17/2025 |
| Date of Deposit Insurance | 03/01/1943 |
| Primary Insurance Agency | DIF |
| Website | www.tcbsc.bank |
| Data Updated | 01/30/2026 |
| CERT | 15932 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.10B |
| Total Deposits | $978.21M |
| Total Liabilities | $986.42M |
| Total Equity Capital | $117.50M |
| Net Income | $3.16M |
| Net Loans and Leases | $620.58M |
| Assets Per Employee ($Millions) | $5.6M |
| Bank Premises and Fixed Assets | $28.32M |
| Cash and Balances due from Depository Institutions | $147.48M |
| Deposits Held in Domestic Offices | $978.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 10.83% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 67.93% |
| Tier 1 Risk-Based Capital Ratio | 16.195% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.644% |
| Earning Assets to total Assets | 92.78% |
Income and Expense
| Total Interest Income | $13.79M |
| Total Noninterest Income | $2.21M |
| Total Interest Expense | $2.80M |
| Total Noninterest Expense | $9.22M |
| Net Interest Income | $11.00M |
| Pre-tax Net Operating Income | $3.93M |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $930.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.33M |
| All Other Liabilities | $4.88M |
| Total Liabilities and Capital | $1.10B |
Securities
| Securities | $268.75M |
| Available-for-sale debt securities | $268.75M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank?
$1.10B as of the latest filing.
How much are The Citizens Bank's total deposits?
$978.21M in total deposits.
Where is The Citizens Bank located?
Olanta, SC.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
24.
When was it established?
09/24/1938.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$620.58M (latest filing).
What is the total interest income (latest filing)?
$13.79M.