Citizens Bancorp of Virginia 

Citizens Bancorp of Virginia, Inc. functions as the parent holding company for Citizens Bank and Trust Company, delivering a comprehensive suite of commercial banking products and financial services to both businesses and individual clients throughout the United States. Its diverse offerings include various deposit accounts, such as checking, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs), alongside providing credit card options. The institution also extends a range of commercial loans, encompassing commercial real estate mortgages, construction financing, small business working capital loans, small business lines of credit, SBA-guaranteed loans, and investment property loans. For individual consumers, Citizens Bank and Trust Company offers personal lending solutions like automobile, signature, boat, and other personal property loans. Additionally, it specializes in extensive real estate financing, covering home equity lines of credit, fixed and adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer initiatives, home improvement loans, bridge loans, new home construction, and commercial construction loans. This also extends to funding for second homes/vacation properties, investment properties, and commercial, industrial, and apartment projects. Beyond core banking, the company provides merchant services, as well as investment and brokerage services. Its operational footprint is primarily within Virginia, serving the counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan, in addition to the cities of Colonial Heights, Richmond, and Petersburg. Founded in 1873, Citizens Bancorp of Virginia, Inc. is headquartered in Blackstone, Virginia.