This institution is no longer active

Operations ceased on March 10, 2023. CRA examination history below reflects the period it was active.

CITIZENS COMMERCE BANK

VERSAILLES, KY · Supervised by FDIC

Est. 1996FDIC #34,256RSSD: FDIC-34256

Part ofTD Bank, N.A.→ View all charters

Satisfactory

Current rating · Exam: September 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.01%

Is this bank safe?

CITIZENS COMMERCE BANK holds a Satisfactory CRA rating (2020), is financially strong (ROA +1.01%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

534 Marsailles Rd, VERSAILLES, KY

County

Woodford County

Established

November 12, 1996

Total Assets

$336M(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

September 1, 2020

Exam Type

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

$336M

Total Deposits

$302M

Net Loans

$264M

Net Income

$3M

ROA

1.01%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.32%

Risk-Based Capital

0.00%

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).

ROA1.01%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate13.64%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	22	77.27%	13.64%
2022	219	74.43%	8.22%
2021	243	56.79%	12.35%
2020	233	54.08%	9.87%
2019	177	61.02%	8.47%
2018	184	67.39%	9.78%

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.

Embed this rating

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

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

Updates automatically when the rating changes.

Preview: