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BDI
CB

The Citizens Bank

Olanta, South CarolinaFDIC Cert #15932

STATEEstablished 193826 branches

Holding company: CITIZENS BANCSHARES CORPRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
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

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$1.16B
+10.8%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.03B
+10.6%y/y
Percentile by value22nd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$629M
+7.0%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$622M
+6.9%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$266M
+15.3%y/y
Percentile by value54th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$209M
+22.5%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$1.04B
+10.6%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$120M
+12.1%y/y
Peer standing24th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$13.1M
+13.4%y/y
Peer standing30th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$11M
+14.2%y/y
Peer standing29th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$2.01M
+9.2%y/y
Peer standing48th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
$388K
−24.2%y/y
Percentile by value55th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$4.44M
+28.1%y/y
Peer standing30th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$3.31M
+28.1%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC