Citizens Bank, the
Citizens Bank, the is the primary bank subsidiary of its parent holding company, headquartered in Olanta, SC. The Q1 2026 balance sheet stands at $1.2B in assets, including $629M in loans. Returns are in line with industry norms at 1.16% ROA and 11.17% ROE; net interest margin is 4.17%. Capital is comfortably above regulatory minimums — CET1 ratio of 16.96% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.24%. Citizens Bank, the operates a 26-branch network.
Headquarters Profile
- Address
- 124 East Main Street, OLANTA, SC 29114
- County
- Florence
- Metro Area
- FLORENCE, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- September 24, 1938
- Branches
- 26 domestic
- Employees (FTE)
- 200
- FDIC Cert
- 15932
- Fed RSSD
- 898627
- Website
- www.tcbsc.bank →
- Parent Holding Company
- CITIZENS BANCSHARES CORPORATION (RSSD 1357121)
Capital & Liquidity
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Citizens Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about Citizens Bank, the
What are Citizens Bank, the's total assets?
As of the Q1 2026 filing, Citizens Bank, the reported total assets of $1.16 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank, the headquartered?
Citizens Bank, the is headquartered in OLANTA, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank, the founded?
Citizens Bank, the was established in 1938, per the FDIC institution directory.
Is Citizens Bank, the FDIC-insured?
Yes. Citizens Bank, the is an FDIC-insured commercial bank (FDIC Certificate #15932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank, the?
Citizens Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank, the's CET1 capital ratio?
Citizens Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 16.96% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank, the operate?
Citizens Bank, the operates 26 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank, the's Texas Ratio?
Citizens Bank, the's Texas Ratio is 2.23% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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