# CITIZENS BANK
OLANTA, SC · FDIC certificate 15932 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.14B | |
| Deposits | $1.01B | |
| Loans and leases | $636.9M | |
| Total equity | $122.1M | |
| Loans / deposits | 62.51% (p9 of band) | 87.10% |
| Liquid assets / assets | 38.74% (p89 of band) | |
| Uninsured deposits / deposits | 28.19% (p42 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.30% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p34 of band) | 10.50% |
| Unrealized securities loss / equity | -8.94% (p44 of band) | -7.75% |
| AOCI / equity | -1.97% (p5 of band) | |
| ROA (annualized) | 1.24% (p49 of band) | 1.26% |
| Net interest margin | 4.26% (p80 of band) | 3.70% |
| Efficiency ratio | 60.35% (p54 of band) | |
| Noncurrent loans | 0.18% (p21 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 706.29% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 39.70% (p42 of band) | |
| Auto loans | $20.8M (3.26% of loans; DQ 0.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 204 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 2 | deposits shrinking |  |
| 2014-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 1 |  | NIM <2.5% |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | deposits shrinking, assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [First Citizens Bank invests $40,000 in Eastern Carolina Community Foundation - Post and Courier](https://news.google.com/rss/articles/CBMijgJBVV95cUxQV2ZraEc0dUhKdkRPUGZsbUpCRlpwU2Ezdjc5UUptOF9UVEhiM2NLUGlkcktXeVJ3UzVZTkJCbGNDYWZJbXdDRHBDS2JzYTFoLU0xSmpKT252bTZUUE02bS11MTVMMHIxQ0hmQUZFTDBuRjVMZTBSeVAtNlJEOFRhUVRvbWNvaWtocFpiaXJra0NCN3NDdHlfU01mQjhITk4wSTRPRDB0cFdTeVVRTVBfcjctRjJNLVlLbkxTc29FV2d4eGdhMjBhOHBFMHd3ZDh3eXhCY3hzLUhyU0lJbDFnUE4zWk1sMWxoWUs5WU16OFByc1FVbm9BcnpvQjNJX2NTVG03Wk9EdWl6TWRCT1E?oc=5) · Post and Courier
- 2026-04-21 [First Citizens Appoints New Executive Vice President for its South Region - PR Newswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPTko1Q2w5YlFWRENUSVZhRHVoV3hIREFIMGlqUEJydlZuODdjTFhNX2w3eEdBODljbjRnei1DakFQSVhmMnQzNHFTSWRRZExrQy1MbzBLdHVPdzZTQTRUeVpKVDJZS09YcjdhakQySzFzUVVoYUxFVGdHOWRlbDVLN1cySFN4WEtDbWM2QTdKNHdlUWI1TmE5SVMyNnEwLVcyQmxQZkJ5QW96RndWNlZiRGs5MldlMGM3R0k1ZVFhaHc3Y1VpOGNnMw?oc=5) · PR Newswire
- 2026-03-18 [Whitmire gets a credit union back after more than two years without in-person financial services - WIS News 10](https://news.google.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?oc=5) · WIS News 10
- 2026-04-21 [First Citizens Bank Expands South Region Leadership With Appointment of Holt Chetwood - citybiz](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQR1F3TTF3M2xPak5JckdMZDk4Tl9XVVRzM3cxdkVnZGV6eERtdUMzNHFnZ2lpdlFVNEo4cHZZRlA5dGRySkx6RlRHemZiS016OVJ1d19MZjB3SGpRNlVkbHZVY25vRldqNzdsTnlZVENhaEdtNmxsMmZMOXliU2FYOFFNWEkzeFR0MkcxMnFmU0FhdVRVbHpRSHdHYVQ3eFdnem5sSmNfU18tQ01wQTNYRUpIOTZsZHhfMHpaa01UT2doUQ?oc=5) · citybiz
- 2026-03-17 [A small SC town lost its only bank. Now a new credit union has opened there - The State](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5uN0N6aW5vUEdoMktBMS03b0hlbVFCRnlTNW9IVnktMlUtek42R2tUM2IxRnJQNzI2VnRxTnRvYVk4YUE5NUZMcVJXQVgtNHQ2RnRrM3lJVTQ2WXo0aEd6azVabm5jUjNs0gFoQVVfeXFMTVBIS2hHaHhGWVNQelFIRV84NFdqRW8zWmlsMGViWHhDZVZqM1dmVUVrd201RE5UWUVOOVhlb0NGYUtTNHpvUFhhMVcwN3hJU21IUzQ2RER5Uk5FRk1hZEtNbjVHVWUxQXE?oc=5) · The State
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-22 [Extensive Citizens Financial Group, Frost Bank breaches claimed by Everest ransomware - SC Media](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVjM4dDFZdTNuU0wyRkNNb08xWFE5RzZubE5IOXJ1SmI4Vm1Gc0piVXNMRW91Z2xJbEtXNlFzQXh2aFlhZWZKVy03WG14eTN5MkZEd1VXdUpNbVJ4a3lfajhaVXV1czZMOVhIekZKRmllQXFPMmtCeVNjM2lzU3lkcmhaNUoxc1hFMjl5dkxRbTlFUjJoNXhhb0ZNYnZWVjV4OW1hRTFzU3lFOXFPU1VIdnMwbjY?oc=5) · SC Media
- 2025-12-15 [The Citizens Bank Data Breach Exposes Social Security Numbers - Claim Depot](https://news.google.com/rss/articles/CBMibkFVX3lxTE5wVkEzQURWWDNTMERjSUZYS3ZTQ3RVMk1GSmdBNGVMNU1RZFVxenA2RU16Qk5Wak9PVXNsYUowMVhMYjJqWFhkd3pER1dRRDNMTGlmbnRvYk8tNFZEZlNRQmdkZFBOZEI3UEJuYmFn?oc=5) · Claim Depot

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15932 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "15932", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide