🏦Bank Scorer

CITIZENS NATIONAL BANK

CLARKS SUMMIT, PA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #31,184
Satisfactory

Current rating · Exam: July 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.16%

Institution Profile

FDIC BankFind

Address

500 S State St, CLARKS SUMMIT, PA

County

Lackawanna County

Established

January 1, 1902

Total Assets

$359M(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

July 30, 1993

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
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 Q1 2026Call Report / FDIC

Total Assets

$359M

Total Deposits

$304M

Net Loans

$291M

Net Income

$146K

ROA

0.16%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.09%

Risk-Based Capital

30.70%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.16%Peer avg: 0.44%▼ Below avg
Risk-Based Capital30.70%Peer avg: 23.03%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$300M

1-Year Change

0

5-year net change: -1 branches

This is the only examination on record for this bank.

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