The Citizens Bank vs Berkeley Community
Comparing a Bank in Olanta, SC with a Credit Union in Moncks Corner, SC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Citizens Bank ↗ Bank · Olanta, SC · Est. 1938 | Berkeley Community ↗ Credit Union · Moncks Corner, SC · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Olanta, SC | Moncks Corner, SC |
| Total assets | $1.2B | $16.9M |
| Capital ratio | 10.3% | 18.8% |
| Return on assets | 1.2% | 2.5% |
| Deposits | $1.0B | — |
| Branches | 26 | 2,111 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 44 | #3 of 46 |
| Established | 1938 | 1960 |
The Citizens Bank
- Assets: $1.2B
- Deposits: $1.0B
- Capital ratio: 10.3%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 44
Berkeley Community
- Assets: $16.9M
- Members: 2,111
- Capital ratio: 18.8%
- Return on assets: 2.5%
- CFPB complaints: 0
- State rank: #3 of 46
Are both institutions federally insured?
Yes. The Citizens Bank is FDIC-insured and Berkeley Community is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Citizens Bank or Berkeley Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Citizens Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Citizens Bank safe?
Yes — The Citizens Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Berkeley Community safe?
Yes — Berkeley Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Citizens Bank vs Berkeley Community?
The Citizens Bank has a capital ratio of 10.3%, placing it in the top 50% of $1B–10B peers. Berkeley Community's ratio is 18.8%, placing it in the top 26% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Citizens Bank have compared to Berkeley Community?
The CFPB database shows 0 complaints against The Citizens Bank, and 0 complaints against Berkeley Community. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Citizens Bank with other Banks in South Carolina
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
