CITIZENS BANK, THE

OLANTA, SC | Large | Est. Sept. 24, 1938, midnight | FDIC #15932 | RSSD #898627 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK, THE is aln large FDIC-insured commercial bank headquartered in OLANTA, SC, established in Sept. 24, 1938, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $978M. Profitability stands at 1.18% ROA and 10.83% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 16.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 1.04%. FDIC Certificate #15932.

Assets

$1.1B

Deposits

$978M

Loans

$628M

Equity

$118M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 10.83%
Net Interest Margin (NIM) 4.46%
Yield on Assets 5.59%
Cost of Funds 1.18%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.04%
NPA Ratio 0.12%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 16.19%
Tier 1 Capital 16.19%
Total Capital Ratio 17.44%
Leverage Ratio 9.72%
Loan-to-Deposit 64.21%

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