This institution is no longer active

Operations ceased on October 1, 1994. CRA examination history below reflects the period it was active.

CITIZENS BANK & TRUST

EVANS, GA · Supervised by FDIC

Est. 1988FDIC #27,353RSSD: FDIC-27353

Part ofALLIED BANKSHARES INC→ View all charters

Satisfactory

Current rating · Exam: October 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.07%

Is this bank safe?

CITIZENS BANK & TRUST holds a Satisfactory CRA rating (1993), is financially strong (ROA +1.07%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

4385 Washington Road, EVANS, GA

County

Columbia County

Established

October 7, 1988

Total Assets

$67M(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

October 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q3 1994Call Report / FDIC

Total Assets

$67M

Total Deposits

$55M

Net Loans

$47M

Net Income

$581K

ROA

1.07%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.07%

Risk-Based Capital

19.25%

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).

ROA1.07%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.25%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate13.51%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
2024	111	68.47%	13.51%
2020	239	67.36%	17.57%
2019	176	71.02%	15.91%
2018	185	63.78%	21.08%

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

This is the only examination on record for this bank.

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