CITIZENS' BANK & TRUST CO.

VAN BUREN, AR · Supervised by FDIC

Est. 1886FDIC #8,738RSSD: FDIC-8738

Part ofFIRST BANK CORP→ View all charters

Outstanding Up

Current rating · Exam: September 1994

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.53%

Institution Profile

FDIC BankFind

Website

www.cbankandtrust.com

Address

3110 Alma Hwy, VAN BUREN, AR

County

Crawford County

Established

May 1, 1886

Total Assets

$563M(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

September 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q1 2026Call Report / FDIC

Total Assets

$563M

Total Deposits

$498M

Net Loans

$312M

Net Income

$2M

ROA

1.53%

ROE

13.93%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$482M

1-Year Change

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating 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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