What is The Citizens Bank's financial health grade?

The Citizens Bank has a TFS Financial Health Grade of C (score: 75.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens Bank have?

The Citizens Bank has 26 branch locations across the United States.

Is The Citizens Bank FDIC insured?

Yes, The Citizens Bank is FDIC insured (Certificate #15932).

What are the total assets of The Citizens Bank?

The Citizens Bank has total assets of $1.1B as reported in its most recent FDIC filing.

The Citizens Bank

BankOlanta, South Carolina

www.tcbsc.bank

Total Assets

$1.1B

Total Deposits

$978.2M

Branches

Established

1938

TFS Health Grade

75.8 / 100

Average financial health

How we grade

The Citizens Bank is a bank headquartered in Olanta, South Carolina, established in 1938. With $1.1B in total assets and 25 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.72%(8%)

Total Capital Ratio

17.44%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

10.82%(10%)

Net Interest Margin

4.22%

Efficiency Ratio

64.51%(60%)

Lending & Liquidity

Total Loans

$628.1M

Loan-to-Deposit Ratio

63.44%

Net Charge-Off Ratio

0.07%

Growth

Asset Growth (YoY)

+7.44%

Deposit Growth (YoY)

+6.40%

Net Income

$11.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Citizens BankHQ	124 East Main Street	Olanta	SC	11
The Citizens Bank	909 S Main St	Laurinburg	NC	11
The Citizens Bank	201 S Morgan Ave	Andrews	SC	11
The Citizens Bank	2220 W Dekalb St	Camden	SC	11
The Citizens Bank	1627 Church St	Conway	SC	11
The Citizens Bank	702 Pamplico Hwy	Florence	SC	11
The Citizens Bank	1600 W Palmetto St	Florence	SC	11
The Citizens Bank	1510 Exhange Street	Georgetown	SC	11
The Citizens Bank	206 S 5th St	Hartsville	SC	11
The Citizens Bank	127 S Georgetown Hwy	Johnsonville	SC	11
The Citizens Bank	5 N Williamsburg County Hwy	Kingstree	SC	11
The Citizens Bank	209 E Main St	Lake City	SC	11
The Citizens Bank	11 Willow Grove Road	Lynchburg	SC	11
The Citizens Bank	7 North Seventh Street	Mc Bee	SC	11
The Citizens Bank	3796 Highway 17	Murrells Inlet	SC	11
The Citizens Bank	273 Carolina Forest Blvd	Myrtle Beach	SC	11
The Citizens Bank	3600 Dorsett Dr	Myrtle Beach	SC	11
The Citizens Bank	610 International Dr	Myrtle Beach	SC	11
The Citizens Bank	4400 Highway 17 S	North Myrtle Beach	SC	11
The Citizens Bank	1020 Highway 17 N	North Myrtle Beach	SC	11
The Citizens Bank	705 S Walnut St	Pamplico	SC	11
The Citizens Bank	11022 Ocean Hwy	Pawleys Island	SC	11
The Citizens Bank	5730 Memorial Blvd	Saint George	SC	11
The Citizens Bank	1225 Alice Dr	Sumter	SC	11
The Citizens Bank	4700 W Palmetto St	Timmonsville	SC	11
The Citizens Bank	1718 Main St	Turbeville	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.