The Citizens Bank (Olanta, SC): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Olanta, The Citizens Bank serves the South Carolina market as a community-focused commercial bank. Total assets stand at $1.1B. Returns are notably above industry norms: 1.30% ROA, 12.34% ROE, and 4.26% NIM. Regulatory capital is solid, 17.33% CET1 and 18.58% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.25%. Its footprint covers 26 branches concentrated in South Carolina.
As of June 30, 2026, The Citizens Bank reported a CET1 capital ratio of 17.33%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.25%, a Texas ratio of 2.24%, per financial data filed with the FFIEC.
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
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 24, 1938
- Offices
- 26 domestic
- Employees (FTE)
- 204
- Domestic deposits
- $1.01B
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $158K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1943
- FDIC Cert
- 15932
- Fed RSSD
- 898627
- SEC CIK
- 1919508 → filed by CITIZENS BANCSHARES CORPORATION
- Website
- www.tcbsc.bank →
- Parent Holding Company
- CITIZENS BANCSHARES CORPORATION (RSSD 1357121)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens Bank, freeThe Citizens Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.33% | 1.30% | 0.25% | 2.24% | 4.26% |
| Q1 2026 | 16.96% | 1.16% | 0.24% | 2.23% | 4.17% |
| Q4 2025 | 16.19% | 1.15% | 0.13% | 1.62% | 4.29% |
| Q3 2025 | 17.44% | 1.27% | 0.08% | 1.64% | 4.24% |
| Q2 2025 | 16.58% | 1.12% | 0.19% | 2.46% | 4.13% |
| Q1 2025 | 16.57% | 0.99% | 0.23% | 2.45% | 3.89% |
| Q4 2024 | 15.80% | 1.12% | 0.14% | 2.01% | 3.96% |
| Q3 2024 | 16.00% | 1.14% | 0.07% | 2.79% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 26 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake City Branch | Lake City , SC | 29560 | $167.6M |
| Hartsville Br | Hartsville , SC | 29550 | $65.0M |
| Florence Branch #1 | Florence , SC | 29505 | $59.1M |
| North Myrtle Beach Branch | North Myrtle Beach , SC | 29582 | $58.4M |
| Turbeville Branch | Turbeville , SC | 29162 | $56.3M |
| Sumter Branch | Sumter , SC | 29150 | $55.3M |
| Florence Branch #2 | Florence , SC | 29501 | $48.6M |
| Timmonsville Branch | Timmonsville , SC | 29161 | $45.0M |
| Farrow Commons | Myrtle Beach , SC | 29577 | $37.1M |
| Myrtle Beach Inernational Drive Branch | Myrtle Beach , SC | 29579 | $37.1M |
| Camden Branch | Camden , SC | 29020 | $36.5M |
| Johnsonville Branch | Johnsonville , SC | 29555 | $35.7M |
| Laurinburgh Branch | Laurinburg , NC | 28352 | $33.8M |
| St. George Branch | Saint George , SC | 29477 | $32.9M |
| Georgetown Branch | Georgetown , SC | 29440 | $32.1M |
| The Citizens Bank | Olanta , SC | 29114 | $31.4M |
| Pamplico Branch | Pamplico , SC | 29583 | $30.0M |
| Windy Hill Branch | North Myrtle Beach , SC | 29582 | $29.2M |
| Mcbee Branch | Mc Bee , SC | 29101 | $28.7M |
| Murrells Inlet Branch | Murrells Inlet , SC | 29576 | $22.6M |
| Pawleys Island Branch | Pawleys Island , SC | 29585 | $21.9M |
| Kingstree Branch | Kingstree , SC | 29556 | $15.9M |
| Lynchburg Branch | Lynchburg , SC | 29080 | $11.6M |
| Carolina Forest Branch | Myrtle Beach , SC | 29579 | $5.8M |
| Andrews Branch | Andrews , SC | 29510 | $4.6M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired Sandhills Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2018 | Structure Change | Acquired Heritage Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2007 | Structure Change | Acquired Johnsonville State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for The Citizens Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in SC, rank 26 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 208 applications, 185 loans originated, $61.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Citizens Bank
What are The Citizens Bank's total assets?
As of the Q2 2026 filing, The Citizens Bank reported total assets of $1.14 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens Bank headquartered?
The Citizens Bank is headquartered in Olanta, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens Bank founded?
The Citizens Bank was established in 1938, per the FDIC institution directory.
Is The Citizens Bank FDIC-insured?
Yes. The Citizens Bank 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 The Citizens Bank?
The Citizens Bank'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 The Citizens Bank's CET1 capital ratio?
The Citizens Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank operate?
The Citizens Bank operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank's Texas Ratio?
The Citizens Bank's Texas Ratio is 2.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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