This institution is no longer active

Operations ceased on August 8, 2006. CRA examination history below reflects the period it was active.

CITIZENS BANK WAKULLA

CRAWFORDVILLE, FL · Supervised by FDIC

Est. 1987FDIC #27,067RSSD: FDIC-27067

Part ofAMERIS BCORP→ View all charters

Outstanding Same

Current rating · Exam: February 2000

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.70%

Institution Profile

FDIC BankFind

Address

2628 Crawfordville Highway, CRAWFORDVILLE, FL

County

Wakulla County

Established

October 13, 1987

Total Assets

$83M(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

February 1, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 Q2 2006Call Report / FDIC

Total Assets

$83M

Total Deposits

$58M

Net Loans

$55M

Net Income

$656K

ROA

1.70%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.10%

Risk-Based Capital

10.75%

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).

ROA1.70%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.75%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2000	Outstanding	Small Bank
Mar 1997	Outstanding	Small Bank
Dec 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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