B
The Citizens Bank
OlantaSC
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens Bank
Olanta, SC
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Rating B
Asset Quality Index 8.30
Capitalization Index 9.00
Liquidity Index 4.70
Profitability Index 5.80
Stability Index 8.50
Company Info The Citizens Bank
Olanta, SC
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FDIC Number 15932
Phone Number (843) 396-4314
Website www.tcbsc.bank
Asset Quality The Citizens Bank
Olanta, SC
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1-Year Asset Growth 2.09%
5-Year Asset Growth 15.60%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.52%
Non-Performing Loans to Loans 0.08%
Balance Sheet The Citizens Bank
Olanta, SC
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Total Assets 1.04B
Total Deposits 915.56M
Capital and Reserves The Citizens Bank
Olanta, SC
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Capital 115.74M
Leverage Ratio 10.35
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio 18.69
Liquidity The Citizens Bank
Olanta, SC
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Hot Money Ratio 4.65%
Liquidity Ratio 31.93%
Profitability The Citizens Bank
Olanta, SC
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5-Year Return on Average Assets 1.03%
Net Income 8.77M
Net Interest Spread 4.08%
Operating Profit to Average Assets 1.40%
Overhead Efficiency Ratio 66.06%
Return on Assets 1.13%
Return on Equity 10.80%