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.