BlastPoint's Banking Scorecard

The Citizens Bank

$1B-$10B Specialty: Other SC FDIC cert 15932

Designations: ✓ Community bank

Olanta, SC

26 branches across SC · NC

884 banks in the $1B-$10B peer group nationally 13 in SC

The Citizens Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 26.4% in tier
+ Loan-to-Deposit Ratio 24.14% below tier average
+ Net Interest Margin 0.38% above tier average
+ Efficiency Ratio 0.18% below tier average

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$1.2B +10.8% YoY +5.5% QoQ	-$1.7B	$2.8B -0.1% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Bottom 13.8% in tier
Total Loans ?	$621.7M +6.9% YoY +0.2% QoQ	-$1.3B	$2.0B +0.6% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	Bottom 5.0% in tier
Total Deposits ?	$1.0B +10.6% YoY +5.8% QoQ	-$1.3B	$2.3B -0.3% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	1.17% +17.4% YoY +3.4% QoQ	-0.20%	1.37% +19.6% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	4.20% +3.9% YoY -0.7% QoQ	+0.38%	3.82% +6.9% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	60.88% -4.7% YoY -5.6% QoQ	-0.18%	61.06% -4.6% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.19% -14.8% YoY +213.9% QoQ	-0.70%	0.89% +14.1% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	60.07% -3.4% YoY -5.3% QoQ	-24.14%	84.20% +0.3% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	Top 7.2% in tier
Non-Interest-Bearing Deposit Share ?	23.06% -11.0% YoY -13.3% QoQ	+1.77%	21.29% -2.5% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.17% -20.0% YoY +45.7% QoQ	-0.50%	0.67% +15.6% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	16.96% +2.4% YoY +4.7% QoQ	+1.80%	15.16% +2.0% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	Top 14.7% in tier
Non-Interest Income / Assets ?	0.17% -1.4% YoY -77.0% QoQ	-0.08%	0.26% +1.6% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#59 of 220 • Top 26.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 60.07%

Peer Median: 84.20%

#65 of 884 Top 7.2% in $1B-$10B

131

Tier 1 Capital Ratio

capital

Value: 16.96%

Peer Median: 15.16%

#131 of 884 Top 14.7% in $1B-$10B

174

Delinquency Rate

credit_quality

Value: 0.19%

Peer Median: 0.89%

#174 of 880 Top 19.7% in $1B-$10B

183

Net Interest Margin

profitability

Value: 4.20%

Peer Median: 3.82%

#183 of 884 Top 20.6% in $1B-$10B

208

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.67%

#208 of 884 Top 23.4% in $1B-$10B

Top Weaknesses (3 metrics)

841

Total Loans

size

Value: $621.67M

Peer Median: $1.96B

#841 of 884 Bottom 5.0% in $1B-$10B

763

Total Assets

size

Value: $1.16B

Peer Median: $2.82B

#763 of 884 Bottom 13.8% in $1B-$10B

728

Total Deposits

size

Value: $1.03B

Peer Median: $2.34B

#728 of 884 Bottom 17.8% in $1B-$10B