The Citizens Bank (FDIC certificate #15932) is based in Olanta, South Carolina. Its Q2 2026 call report shows $1.1B in total assets and $1.0B in deposits and 26 offices across 2 states.
Based on its Q2 2026 filing, The Citizens Bank scores 74/100, which we describe as strong. That is higher than 74% of 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 22nd. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (49/100; 9.91%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.86% |
| Q3 2024 | 9.84% |
| Q4 2024 | 9.53% |
| Q1 2025 | 9.61% |
| Q2 2025 | 10.09% |
| Q3 2025 | 10.35% |
| Q4 2025 | 9.72% |
| Q1 2026 | 9.71% |
| Q2 2026 | 9.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.12% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.1B | 9.91% | 0.18% | 1.24% | 62.5% |
| Q1 2026 | 73 | $1.2B | 9.71% | 0.19% | 1.17% | 60.1% |
| Q4 2025 | 74 | $1.1B | 9.72% | 0.06% | 1.13% | 63.4% |
| Q3 2025 | 76 | $1.0B | 10.35% | 0.10% | 1.12% | 65.1% |
| Q2 2025 | 73 | $1.1B | 10.09% | 0.23% | 1.05% | 62.5% |
| Q1 2025 | 72 | $1.1B | 9.61% | 0.22% | 0.99% | 62.1% |
| Q4 2024 | 73 | $1.0B | 9.53% | 0.13% | 1.12% | 62.0% |
| Q3 2024 | 73 | $1.0B | 9.84% | 0.31% | 1.12% | 62.4% |
| Q2 2024 | 74 | $1.0B | 9.86% | 0.27% | 1.12% | 61.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Reliance BankBank Florence, SC | 71 out of 100, Strong | $1.1B | 10.5% | 0.07% | vs |
| First Palmetto BankBank Camden, SC | 71 out of 100, Strong | $1.1B | 9.4% | 0.15% | vs |
| First Capital BankBank Charleston, SC | 68 out of 100, Moderate | $1.3B | 9.6% | 0.10% | vs |
| Coastal Carolina National BankBank Myrtle Beach, SC | 71 out of 100, Strong | $1.4B | 9.4% | 0.00% | vs |
| Security Federal BankBank Aiken, SC | 69 out of 100, Moderate | $1.5B | 10.8% | 0.85% | vs |
| Bank of Travelers RestBank Travelers Rest, SC | 79 out of 100, Strong | $1.6B | 10.3% | 0.12% | vs |
Deposit insurance
Is my money safe at The Citizens Bank?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #15932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($283.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.58% (benchmark: 10%).
26 locations
Branches
The Citizens Bank lists 26 offices in 22 cities across 2 states. Most locations:
- Myrtle Beach, SC (3)
- Florence, SC (2)
- North Myrtle Beach, SC (2)
- Andrews, SC (1)
- Camden, SC (1)
- Conway, SC (1)
- Georgetown, SC (1)
- Hartsville, SC (1)
- Johnsonville, SC (1)
- Kingstree, SC (1)
- Lake City, SC (1)
- Laurinburg, NC (1)
HMDA 2025
Mortgage lending
In 2025, The Citizens Bank reported 208 home-loan applications under HMDA (LEI 549300M723MK3TTJ2783): 185 originated ($61,685,000 total), 4 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15932
- RSSD ID
- 898627
- Primary regulator
- FDIC
- Holding company
- Citizens Bancshares Corp
- Established
- September 24, 1938
- Headquarters
- 124 East Main Street, Olanta, SC 29114
- Website
- www.tcbsc.bank
- Employees
- 204
Quick answers
The Citizens Bank: common questions
Is The Citizens Bank FDIC insured?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #15932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens Bank ever failed?
There is no failure record for FDIC certificate #15932 in the FDIC failed bank list.
How many branches does The Citizens Bank have?
26 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Olanta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Allsouth Federal Credit UnionCredit union Columbia, SC | 93 out of 100, Very strong | $1.5B | 19.6% | 0.41% | vs |
| Trinity Baptist Church Federal Credit UnionCredit union Florence, SC | 92 out of 100, Very strong | $2.3M | 16.8% | 0.20% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| Georgetown Kraft Credit UnionCredit union Georgetown, SC | 87 out of 100, Very strong | $191.9M | 18.7% | 0.95% | vs |
| The Bank of ClarendonBank Manning, SC | 84 out of 100, Strong | $438.3M | 11.7% | 0.01% | vs |