This institution is no longer active

Operations ceased on August 8, 2000. CRA examination history below reflects the period it was active.

CITIZENS BANK

CHARITON, IA · Supervised by FDIC

Est. 1934FDIC #18,607RSSD: FDIC-18607

Part ofCITIZENS CORP→ View all charters

Outstanding Same

Current rating · Exam: February 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.42%

Institution Profile

FDIC BankFind

Address

201 North Main Street, CHARITON, IA

County

Lucas County

Established

January 1, 1934

Total Assets

$77M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2000Call Report / FDIC

Total Assets

$77M

Total Deposits

$62M

Net Loans

$52M

Net Income

$916K

ROA

2.42%

Above avg for Small banks. Peer avg: 0.44%

ROE

35.19%

Risk-Based Capital

11.08%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.42%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.08%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 1998	Outstanding	Small Bank
Jun 1995	Outstanding	Not Reported
Sep 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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