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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
Deposits +7.1% year over year ($1.0B on the books).
Delinquency rate 0.18%.
Return on assets 1.24%.
Efficiency ratio 60.35% vs a 59.73% peer average.
Loan-to-deposit ratio 62.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (SC) →

The Citizens Bank has 3 strengths but faces 2 concerns

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 34.4% in tier
+ Loan-to-Deposit Ratio 22.53% below tier average
+ Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Efficiency Ratio 0.62% above tier average

Get updates when The Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$1.1B +7.6% YoY -2.3% QoQ	-$1.7B	$2.8B -0.6% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	Bottom 12.8% in tier
Total Loans ?	$628.9M +7.1% YoY +1.2% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	Bottom 4.7% in tier
Total Deposits ?	$1.0B +7.1% YoY -2.8% QoQ	-$1.3B	$2.3B -0.5% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	1.24% +18.4% YoY +6.2% QoQ	-0.15%	1.39% +17.0% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	4.26% +3.8% YoY +1.6% QoQ	+0.39%	3.87% +6.2% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	60.35% -5.8% YoY -0.9% QoQ	+0.62%	59.73% -12.6% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	0.18% -24.0% YoY -4.9% QoQ	-0.69%	0.87% +11.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	62.51% -0.0% YoY +4.1% QoQ	-22.53%	85.04% -0.1% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	Top 8.2% in tier
Non-Interest-Bearing Deposit Share ?	24.90% -6.3% YoY +8.0% QoQ	+3.63%	21.27% -1.5% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.17% -24.0% YoY -1.5% QoQ	-0.50%	0.67% +11.7% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	17.33% +4.5% YoY +2.2% QoQ	+2.49%	14.84% -0.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	Top 13.4% in tier
Non-Interest Income / Assets ?	0.36% -3.0% YoY +110.5% QoQ	-0.16%	0.53% +2.5% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Noninterest-Bearing	24.9% -1.7pp YoY +1.8pp QoQ	+3.5pp	21.4%	21.7%	22.2%	71%
Brokered Deposits	n/a	n/a	9.5%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	7.8% 0.0pp YoY +0.2pp QoQ	-6.2pp	14.0%	9.8%	12.5%	32%
CRE	34.0% -0.6pp YoY -0.3pp QoQ	-16.0pp	50.0%	43.3%	41.4%	14%
1-4 Family	48.8% +1.4pp YoY 0.0pp QoQ	+22.4pp	26.4%	44.4%	31.3%	89%
Consumer	5.6% -0.9pp YoY -0.2pp QoQ	+0.9pp	4.7%	4.5%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	17.3% +0.8pp YoY +0.4pp QoQ	+1.7pp	15.6%	18.1%	19.7%	84%
Leverage Ratio	9.9% -0.2pp YoY +0.2pp QoQ	-1.4pp	11.3%	12.3%	12.6%	34%
Total Capital Ratio	18.6% +0.8pp YoY +0.4pp QoQ	+1.9pp	16.7%	19.1%	20.8%	85%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	204 +19 (+10.3%) YoY +4 (+2.0%) QoQ	-110	313	174	482	42%
Assets per Employee ($)	$5.6M -2.4% YoY -4.2% QoQ	-$4.9M	$10.5M	$7.8M	$8.8M	8%
Branch Count	26 +2 (+8.3%) YoY 0 QoQ	+6	20	12	18	77%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.0%	0.4%	40%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.5%	1.0%	18%
Allowance Coverage	7.06x +38.5% YoY +6.2% QoQ	-11.65x	18.71x	15.59x	20.23x	83%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	11.8% +1.4pp YoY +0.6pp QoQ	-0.8pp	12.6%	11.7%	11.6%	48%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.6%	1.7%	7%
Net Income ($, YTD)	$7.0M +28.6% YoY — QoQ	-$12.2M	$19.2M	$9.6M	$40.4M	23%

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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

#77 of 221 • Top 34.4% in tier

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

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 62.51%

Peer Median: 85.04%

#74 of 885 Top 8.2% in $1B-$10B

120

Tier 1 Capital Ratio

capital

Value: 17.33%

Peer Median: 14.84%

#120 of 885 Top 13.4% in $1B-$10B

178

Delinquency Rate

credit_quality

Value: 0.18%

Peer Median: 0.87%

#178 of 882 Top 20.1% in $1B-$10B

181

Net Interest Margin

profitability

Value: 4.26%

Peer Median: 3.87%

#181 of 885 Top 20.3% in $1B-$10B

210

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.67%

#210 of 885 Top 23.6% in $1B-$10B

Top Weaknesses (3 metrics)

844

Total Loans

size

Value: $628.90M

Peer Median: $1.96B

#844 of 885 Bottom 4.7% in $1B-$10B

773

Total Assets

size

Value: $1.14B

Peer Median: $2.79B

#773 of 885 Bottom 12.8% in $1B-$10B

738

Total Deposits

size

Value: $1.01B

Peer Median: $2.32B

#738 of 885 Bottom 16.7% in $1B-$10B