This institution is no longer active

Operations ceased on October 22, 1998. CRA examination history below reflects the period it was active.

CITIZENS FIRST BANK

FORDYCE, AR · Supervised by FDIC

Est. 1909FDIC #3,862RSSD: FDIC-3862

Part ofREGIONS FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: September 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.21%

Institution Profile

FDIC BankFind

Address

611 West Fourth Street, FORDYCE, AR

County

Dallas County

Established

January 1, 1909

Total Assets

$45M(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, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 1998Call Report / FDIC

Total Assets

$45M

Total Deposits

$39M

Net Loans

$25M

Net Income

$441K

ROA

1.21%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.77%

Risk-Based Capital

14.11%

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).

ROA1.21%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.11%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate3.64%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,967	80.79%	3.64%
2020	4,651	82.78%	2.09%
2019	3,543	82.5%	2.68%
2018	3,235	82.29%	2.87%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 1995	Satisfactory	Not Reported
Oct 1993	Satisfactory	Not Reported
May 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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