Citizens Bank (FDIC #15932): Bank Stress & Real-Estate Credit Exposure
Citizens Bank (FDIC Cert #15932): bank stress 63/100, elevated, STABLE over 7 days; parent CITIZENS BANCSHARES CORP.
Citizens Bank (#15932) lends in 12 counties across 2 states; Citizens Bank (#15932) reaches 102 ZIP codes: South Carolina 11 counties, 95 ZIPs; North Carolina 1 county, 7 ZIPs.
Citizens Bank (#15932) largest markets: Horry County, SC (96 branches, 16 ZIPs) (#15932), Dorchester County, SC (15 branches, 15 ZIPs) (#15932), Sumter County, SC (15 branches, 15 ZIPs) (#15932), Kershaw County, SC (13 branches, 13 ZIPs) (#15932), Lee County, SC (12 branches, 12 ZIPs) (#15932), Florence County, SC (84 branches, 12 ZIPs) (#15932).
Citizens Bank (#15932) reports $1.14 billion in total assets; Citizens Bank (#15932) equity $122.1 million (10.7% of Citizens Bank (#15932) assets); Citizens Bank (#15932) domestic deposits $1.01 billion; Citizens Bank (#15932) net income $7.0 million; Citizens Bank (#15932) return on assets 1.24%; Citizens Bank (#15932) return on equity 11.76%; Citizens Bank (#15932) net interest income $22.5 million; Citizens Bank (#15932) call report June 30, 2026.
Citizens Bank (#15932) noncurrent real-estate loans: none reported; Citizens Bank (#15932) net charge-offs on real estate 0.19%.
Citizens Bank (#15932) net interest margin 4.26% against an eight-quarter Citizens Bank (#15932) average of 4.12% (Citizens Bank (#15932) compression -0.14 points); Citizens Bank (#15932) rate-exposure score 40/100, Citizens Bank (#15932) fixed-rate trap 40/100; Citizens Bank (#15932) risk type credit driven; Citizens Bank (#15932) rate regime rates elevated, Citizens Bank (#15932) snapshot October 19, 2026.
Citizens Bank (#15932) stress score moved from 64.7 on June 22, 2026 to 63.2 on October 19, 2026; Citizens Bank (#15932) ranged 63.2 to 64.7 over 116 snapshots.
Citizens Bank (#15932) alerts: 12 counties; top Citizens Bank (#15932) alert scores: Sumter County, SC 39 (moderate); Camden County, SC 22 (low); Hartsville County, SC 22 (low); Kingstree County, SC 22 (low); Laurinburg County, SC 22 (low).