Visbanking Logo

The Citizens Bank

Olanta, SC
IDRSSD: 898627
Total Assets
$1.04B
Latest filing
Total Deposits
$915.56M
Latest filing
Net Interest Margin
4.31%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

First Capital Bank
Charleston, South Carolina
→
Assets: $1.05BΔ -0.5%
First Palmetto Bank
Camden, South Carolina
→
Assets: $1.03BΔ -2.9%
First Reliance Bank
Florence, South Carolina
→
Assets: $1.10BΔ +4.0%
Coastal Carolina National Bank
Myrtle Beach, South Carolina
→
Assets: $1.19BΔ +12.2%
Beacon Community Bank
Mount Pleasant, South Carolina
→
Assets: $878.04MΔ -17.0%
Arthur State Bank
Union, South Carolina
→
Assets: $807.16MΔ -23.7%

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date09/24/1938
Community BankYes
Ownership TypeNot Mutual
ZIP29114
State and County Number45041
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameFlorence, SC

Operational Info

Number of Employees185
Domestic Offices24
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date10/17/2025
Date of Deposit Insurance03/01/1943
Primary Insurance AgencyDIF
Websitewww.tcbsc.bank
Data Updated11/14/2025
CERT15932
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.04B
Total Deposits$915.56M
Total Liabilities$925.39M
Total Equity Capital$115.74M
Net Income$3.29M
Net Loans and Leases$596.14M
Assets Per Employee ($Millions)$5.42M
Bank Premises and Fixed Assets$28.27M
Cash and Balances due from Depository Institutions$128.94M
Deposits Held in Domestic Offices$915.56M

Key Performance Ratios

Return on Assets (ROA)1.26%
Return on Equity (ROE)11.71%
Net Interest Margin4.31%
Efficiency Ratio61.76%
Tier 1 Risk-Based Capital Ratio17.438%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.21%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.117%
Earning Assets to total Assets92.46%

Income and Expense

Total Interest Income$13.45M
Total Noninterest Income$2.13M
Total Interest Expense$3.01M
Total Noninterest Expense$7.94M
Net Interest Income$10.45M
Pre-tax Net Operating Income$4.08M
Provision for Credit Losses$554.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$1.07M
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$3.71M
All Other Liabilities$6.13M
Total Liabilities and Capital$1.04B

Securities

Securities$250.66M
Available-for-sale debt securities$250.66M
Equity securities with readily determinable fair values not held for trading$0
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?
$1.04B as of the latest filing.
How much are The Citizens Bank's total deposits?
$915.56M in total deposits.
Where is The Citizens Bank located?
Olanta, SC.
What is the Net Interest Margin?
4.31%.
How many domestic offices does it operate?
24.
When was it established?
09/24/1938.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$596.14M (latest filing).
What is the total interest income (latest filing)?
$13.45M.