🏦Bank Scorer

THE CITIZENS BANK

OLANTA, SC · Supervised by FDIC

Est. 1938FDIC #15,932RSSD: FDIC-15932
Part ofCITIZENS BANCSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

124 East Main Street, OLANTA, SC

County

Florence County

Established

September 24, 1938

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$622M

Net Income

$3M

ROA

1.17%

ROE

11.17%

Risk-Based Capital

18.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

24

Branch Deposits

$940M

1-Year Change

+1

5-year net change: +4 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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