Savings Bank Circl, trading as OTCMKTS:SCIV, is a mutual savings bank headquartered in Jacksonville, Florida. Founded in 1923, the bank focuses on delivering comprehensive banking solutions to both retail and commercial clients. This mutual ownership structure enables the institution to prioritize customer interests and community reinvestment over shareholder dividends.
The bank’s product suite encompasses a range of deposit offerings, including checking accounts, savings accounts, certificates of deposit and money market accounts. Digital banking capabilities allow customers to access account management tools, mobile check deposits and online bill pay. Savings Bank Circl also provides advanced treasury management services for small and mid-sized businesses, helping clients manage cash flow, payments and receivables.
On the lending side, Savings Bank Circl offers residential and commercial real estate financing, home equity lines of credit, automobile loans and small business loans. Its mortgage division caters to first-time homebuyers and seasoned investors, while commercial lending professionals work closely with local enterprises to structure financing for expansion and capital improvements. The bank also offers wealth management, trust services and retirement planning through an in-house advisory team.
Savings Bank Circl primarily serves communities throughout northeastern Florida and southeastern Georgia, maintaining a network of branch offices and ATMs across the region. The bank is led by President and CEO John P. Williams, whose banking career spans over 30 years, and CFO Mary L. Thompson. Emphasizing local decision-making and personalized service, Savings Bank Circl has built long-standing relationships with individuals, families and businesses in its markets.
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