CITIZENS BANCSHARES CORP is the parent banking group. THE CITIZENS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CITIZENS BANCSHARES CORP

Legal name: CITIZENS BANCSHARES CORPORATION

1 active bank · $1.2B combined assets

RSSD ID: 1357121 (FFIEC NIC)

Combined Assets

$1.2B

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE CITIZENS BANKOLANTA, SCSatisfactory$1.2BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.2B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.0B

Net Income

$3M

ROA (avg)

1.17%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE CITIZENS BANK	OLANTA, SC	FDIC	$1.2B	100.0%	Satisfactory	Oct 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.