This institution is no longer active

Operations ceased on February 25, 2023. CRA examination history below reflects the period it was active.

CITIZENS BANK AND TRUST COMPANY

KANSAS CITY, MO · Supervised by FDIC

Est. 1889FDIC #4,533RSSD: FDIC-4533

Part ofYOUNG CORP→ View all charters

Satisfactory Same

Current rating · Exam: December 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Is this bank safe?

CITIZENS BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.71%).

Institution Profile

FDIC BankFind

Address

7553 Nw Barry Rd, KANSAS CITY, MO

County

Platte County

Established

January 1, 1889

Total Assets

$969M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 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 Q4 2022Call Report / FDIC

Total Assets

$969M

Total Deposits

$839M

Net Loans

$463M

Net Income

$7M

ROA

0.71%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.57%

Risk-Based Capital

17.87%

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).

ROA0.71%Peer avg: 0.44%▲ Above avg

Risk-Based Capital17.87%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.11%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	185	86.49%	8.11%
2022	190	86.32%	7.37%
2021	146	80.82%	12.33%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2020	Satisfactory	Intermediate Small Bank
Dec 2017	Satisfactory	Intermediate Small Bank
Mar 2015	Satisfactory	Intermediate Small Bank

9 previous ratings locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/citizens-bank-and-trust-company"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: