The Citizens Bank vs Carolina Bank & Trust Co.
Comparing a Bank in Olanta, SC with a Bank in Lamar, SC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Citizens Bank ↗ Bank · Olanta, SC · Est. 1938 | Carolina Bank & Trust Co. ↗ Bank · Lamar, SC · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Olanta, SC | Lamar, SC |
| Total assets | $1.2B | $830.6M |
| Capital ratio | 10.3% | 13.1% |
| Return on assets | 1.2% | 1.7% |
| Deposits | $1.0B | $714.1M |
| Branches | 26 | 14 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 44 | #5 of 44 |
| Established | 1938 | 1936 |
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
Carolina Bank & Trust Co.
- Assets: $830.6M
- Deposits: $714.1M
- Capital ratio: 13.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #5 of 44
Are both institutions federally insured?
Yes. The Citizens Bank is FDIC-insured and Carolina Bank & Trust Co. is FDIC-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 Carolina Bank & Trust Co.?
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 Carolina Bank & Trust Co. safe?
Yes — Carolina Bank & Trust Co. is FDIC-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 Carolina Bank & Trust Co.?
The Citizens Bank has a capital ratio of 10.3%, placing it in the top 50% of $1B–10B peers. Carolina Bank & Trust Co.'s ratio is 13.1%, placing it in the top 19% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Citizens Bank have compared to Carolina Bank & Trust Co.?
The CFPB database shows 0 complaints against The Citizens Bank, and 0 complaints against Carolina Bank & Trust Co.. 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 call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
