The Citizens Bank vs Farmers And Merchants Bank Of South Carolina
Comparing a Bank in Olanta, SC with a Bank in Holly Hill, SC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Citizens Bank ↗ Bank · Olanta, SC · Est. 1938 | Farmers And Merchants Bank Of South Carolina ↗ Bank · Holly Hill, SC · Est. 1912 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Olanta, SC | Holly Hill, SC |
| Total assets | $1.2B | $476.2M |
| Capital ratio | 10.3% | 12.8% |
| Return on assets | 1.2% | 2.0% |
| Deposits | $1.0B | $414.3M |
| Branches | 26 | 8 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 44 | #4 of 44 |
| Established | 1938 | 1912 |
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
Farmers And Merchants Bank Of South Carolina
- Assets: $476.2M
- Deposits: $414.3M
- Capital ratio: 12.8%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #4 of 44
Are both institutions federally insured?
Yes. The Citizens Bank is FDIC-insured and Farmers And Merchants Bank Of South Carolina 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 Farmers And Merchants Bank Of South Carolina?
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 Farmers And Merchants Bank Of South Carolina safe?
Yes — Farmers And Merchants Bank Of South Carolina 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 Farmers And Merchants Bank Of South Carolina?
The Citizens Bank has a capital ratio of 10.3%, placing it in the top 50% of $1B–10B peers. Farmers And Merchants Bank Of South Carolina's ratio is 12.8%, placing it in the top 21% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Citizens Bank have compared to Farmers And Merchants Bank Of South Carolina?
The CFPB database shows 0 complaints against The Citizens Bank, and 0 complaints against Farmers And Merchants Bank Of South Carolina. 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.
