Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. The company offers personal and business checking and savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also provides personal lending products, including automobile, signature, boat, and personal property loans; home equity lines of credit, fixed rate mortgages, adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer programs, home improvement loans, bridge loans, new home construction loans, commercial construction loan, as well as second homes/ vacation properties, investment, commercial, industrial, and apartment loans; and bank-owned properties. In addition, the company offers commercial real estate mortgages, commercial real estate construction loans, small business working capital loans, small business lines of credit, sba guaranteed loans, and investment property loans; commercial real estate; and small business lending products. Further, it provides debit and credit cards; other services, such as coin counting, estatements, notary services, and safe deposit boxes; mobile and online banking; merchant services; and wealth management services comprising financial and retirement planning, IRA rollovers, business retirement plans, fixed and variable annuities, 529 college savings plans, trusts and estate planning, and tax advantaged investments. The company was founded in 1873 and is based in Blackstone, Virginia.