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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

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
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

Loan book

Reported balances and balance-sheet intensity.

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
Loans YoY
+6.85%
−6.0%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
L/D
60.1%
−3.4%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET + DEP
Loans/assets
53.4%
−3.6%y/y
Percentile by value9th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET + ASSET
RE loans %
91.51%
+1.4%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
88%
−14.2%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
40%
−6.1%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,848points
+6.1%y/y
Peer standing13th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
17.58%
+7.3%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRENROW + LNLSGR
Investor CRE %
7.54%
−18.4%y/y
Percentile by value10th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRENROT + LNLSGR
C&I %
7.58%
−0.9%y/y
Percentile by value28th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNCI + LNLSGR