This institution is no longer active

Operations ceased on January 2, 2019. CRA examination history below reflects the period it was active.

CITIZENS BANK OF PENNSYLVANIA

PHILADELPHIA, PA · Supervised by FDIC

Est. 2001FDIC #57,282RSSD: FDIC-57282

Part ofCitizens Financial Group→ View all charters

Outstanding Same

Current rating · Exam: May 2019

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.06%

Institution Profile

FDIC BankFind

Address

130 North 18th Street One Logan Square,, PHILADELPHIA, PA

County

Philadelphia County

Established

December 1, 2001

Total Assets

$33.8B(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

May 1, 2019

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 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 2018Call Report / FDIC

Total Assets

$33.8B

Total Deposits

$29.7B

Net Loans

$17.8B

Net Income

$373M

ROA

1.06%

Above avg for Regional banks. Peer avg: 0.88%

ROE

10.19%

Risk-Based Capital

14.07%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

ROA1.06%Peer avg: 0.88%▲ Above avg

Risk-Based Capital14.07%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate46.76%Peer avg: 26.91%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	24,354	46.66%	46.76%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2019	Outstanding	Large Bank
Sep 2016	Outstanding	Large Bank
Aug 2012	Satisfactory	Large Bank

2 previous ratings locked — back to 2004

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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