BlastPoint's Banking Scorecard
The Citizens Bank
Community
Specialty: Other
SC
FDIC cert 15932
Olanta, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
The Citizens Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.4% YoY
+6.0% QoQ
|
-$287.5M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$620.6M
+8.9% YoY
+4.1% QoQ
|
-$354.9M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$978.2M
+6.4% YoY
+6.8% QoQ
|
-$186.4M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.13%
+0.8% YoY
+0.9% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.22%
+5.7% YoY
+1.0% QoQ
|
+0.56% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
64.51%
-0.5% YoY
+2.0% QoQ
|
+1.88% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.06%
-54.0% YoY
-39.2% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
63.44%
+2.4% YoY
-2.6% QoQ
|
-19.62% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.60%
+4.1% YoY
+1.4% QoQ
|
+5.55% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.12%
-29.3% YoY
-25.9% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
16.19%
+2.5% YoY
-7.1% QoQ
|
+5.95% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.75%
+5.0% YoY
+28.4% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.44% · Tier avg: 83.06%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.19% · Tier avg: 10.24%
79
79th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.60% · Tier avg: 21.05%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
58
58th pctile
Total Deposits
Current: $978.2M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
43
43th pctile
Total Loans
Current: $620.6M · Tier avg: $975.5M
43
43th pctile
Efficiency Ratio
Current: 64.51% · Tier avg: 62.63%
Top Weaknesses
43
43th pctile
Efficiency Ratio
Current: 64.51% · Tier avg: 62.63%
43
43th pctile
Total Loans
Current: $620.6M · Tier avg: $975.5M
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $978.2M · Tier avg: $1.2B
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.60% · Tier avg: 21.05%
79
79th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.19% · Tier avg: 10.24%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.44% · Tier avg: 83.06%