$1.16B
+10.8%y/y
Percentile by value18th percentileby value
FDIC
ASSETCB
The Citizens Bank
Olanta, South CarolinaFDIC Cert #15932
STATEEstablished 193826 branches
Holding company: CITIZENS BANCSHARES CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Citizens Bank reported $1.16B in total assets. Deposits grew 10.56% over the prior year.
Return on assets was 1.17%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 9.71%.
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
- Why is Total Assets below its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.03B
+10.6%y/y
Percentile by value22nd percentileby value
FDIC
DEP$622M
+6.9%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET1.17%
+17 bpsy/y
Peer standing45th percentile
FDIC
NETINC + ROA60.88%
−300 bpsy/y
Peer standing47th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.71%
+10 bpsy/y
Peer standing30th percentile
FDIC
RBC1AAJPercentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.
Side-by-side comparison
The Citizens Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.17%
Registry median
1.24%
This bank
11.17%
FFIEC trimmed average
12.61%
This bank
4.20%
Registry median
3.74%
This bank
60.88%
Registry median
59.83%
This bank
+10.56%
FFIEC trimmed average
+6.33%
This bank
+6.85%
FFIEC trimmed average
+7.26%
This bank
0.19%
FFIEC trimmed average
0.69%
This bank
9.71%
FFIEC trimmed average
10.68%
This bank
1.46%
Registry median
2.62%
This bank
88%
Registry median
233%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.17%
Registry median
1.17%
This bank
11.17%
FFIEC trimmed average
12.79%
This bank
4.20%
Registry median
3.70%
This bank
60.88%
Registry median
60.23%
This bank
+10.56%
FFIEC trimmed average
+5.40%
This bank
+6.85%
FFIEC trimmed average
+7.56%
This bank
0.19%
FFIEC trimmed average
0.43%
This bank
9.71%
FFIEC trimmed average
10.44%
This bank
1.46%
Registry median
2.04%
This bank
88%
Registry median
172%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $758M | $655M |
| Q3 2021 | $780M | $676M |
| Q4 2021 | $792M | $689M |
| Q1 2022 | $843M | $744M |
| Q2 2022 | $840M | $765M |
| Q3 2022 | $1.03B | $943M |
| Q4 2022 | $994M | $904M |
| Q1 2023 | $991M | $895M |
| Q2 2023 | $987M | $891M |
| Q3 2023 | $974M | $879M |
| Q4 2023 | $958M | $855M |
| Q1 2024 | $977M | $873M |
| Q2 2024 | $1.01B | $901M |
| Q3 2024 | $1.02B | $905M |
| Q4 2024 | $1.03B | $919M |
| Q1 2025 | $1.05B | $936M |
| Q2 2025 | $1.06B | $940M |
| Q3 2025 | $1.04B | $916M |
| Q4 2025 | $1.1B | $978M |
| Q1 2026 | $1.16B | $1.03B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $111M |
| Investor CRE | $47.5M |
| Multifamily | $8.11M |
| Construction | $47.1M |
| 1–4 family | $303M |
| C&I | $47.7M |
| Agriculture | $27.1M |
| Other | $38.1M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.17%45th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE11.17%39th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY4.20%76th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.88%47th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+10.56%77th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+6.85%52nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.19%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ9.71%30th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.46%95th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC88%8th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.17%48th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.77%Median 1.17%90th 1.67%Observations 32
ROE
FDIC
NETINC + ROE11.17%39th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.40%Median 12.25%90th 16.70%Observations 32
NIM
FDIC
NIM + NIMY4.20%74th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.70%90th 4.44%Observations 32
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.88%45th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.56%Median 60.23%90th 76.48%Observations 32
Deposits YoY
FDIC
DEP+10.56%78th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.20%Median +5.24%90th +13.89%Observations 32
Loans YoY
FDIC
LNLSNET+6.85%51st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.86%Median +6.85%90th +13.60%Observations 32
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.19%39th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.27%90th 0.89%Observations 32
Leverage
FDIC
RBC1AAJ9.71%48th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.95%Median 9.88%90th 12.59%Observations 32
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.46%71st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.20%Median 2.04%90th 3.09%Observations 32
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC88%19th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 84%Median 172%90th 284%Observations 28
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 26 branches
- Headquarters
- Olanta, SC
FDIC
OFFDOMOpen the South Carolina dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data