This institution is no longer active

Operations ceased on April 14, 2000. CRA examination history below reflects the period it was active.

CITIZENS BANK AND TRUST COMPANY OF PADUCAH

PADUCAH, KY · Supervised by FDIC

Est. 1888FDIC #5,861RSSD: FDIC-5861

Part ofFIRSTAR CORP→ View all charters

Outstanding Same

Current rating · Exam: October 1996

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.55%

Institution Profile

FDIC BankFind

Address

333 Broadway, PADUCAH, KY

County

Mccracken County

Established

January 1, 1888

Total Assets

$760M(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

October 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 2000Call Report / FDIC

Total Assets

$760M

Total Deposits

$599M

Net Loans

$562M

Net Income

$3M

ROA

1.55%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.05%

Risk-Based Capital

18.85%

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).

ROA1.55%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.85%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 1996	Outstanding	Small Bank
Nov 1994	Outstanding	Not Reported
Sep 1992	Outstanding	Not Reported

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/cd772e39-f3ac-410e-b96d-d5f3b20fcd0d"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: