Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #15932 · Olanta, South Carolina · Est. 1938
The Citizens Bank - FDIC Bank Health Profile
A community-scale look at The Citizens Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 1.13%
- Return on assets
- 16.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.19% Tier 1, profitable at 1.13% ROA, 65% efficiency ratio.
- #958
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 16.19%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Citizens Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens Bank's composite health score
Tier 1 Capital Ratio (16.19%) 40/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (0.30%) 20/20
Efficiency Ratio (64.51%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$978M
Customer-funded liabilities
Net Loans
$621M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens Bank's score of 88/100 falls in the highlighted band.
The Citizens Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens Bank's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.19%
Texas Ratio
0.30%
Equity Capital
$118M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
10.82%
Efficiency Ratio
64.51%
What the numbers say about The Citizens Bank
The Citizens Bank is an FDIC-insured institution (Certificate #15932) headquartered in Olanta, South Carolina, established in 1938. It holds $1.1B in total assets - 958th of 4,313 FDIC-insured banks, $978M in customer deposits, and $621M in net loans. Its capital position: a Tier 1 ratio of 16.19%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.30% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Citizens Bank sits 12th of 43 banks headquartered in South Carolina by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$53M
Interest Income
$8M
Non-Interest Income
$33M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens Bank reports a Texas Ratio of 0.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens Bank (FDIC Cert #15932) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is The Citizens Bank's health grade?▼
The Citizens Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Citizens Bank?▼
The Citizens Bank holds $1.1B in total assets and $978M in deposits, ranking 958th of 4,313 FDIC-insured banks by asset size. It is headquartered in Olanta, South Carolina.
Is my money safe at The Citizens Bank?▼
Yes, deposits at The Citizens Bank (Certificate #15932) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens Bank's Tier 1 Capital Ratio?▼
The Citizens Bank has a Tier 1 Capital Ratio of 16.19%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Citizens Bank?▼
The Citizens Bank has a Texas Ratio of 0.30%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens Bank?▼
The Citizens Bank has an Efficiency Ratio of 64.51%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens Bank's profile as a depositor or analyst.
- The Citizens Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens Bank against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.