This institution is no longer active

Operations ceased on April 30, 1973. CRA examination history below reflects the period it was active.

FIRST CITIZENS NATIONAL BANK

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

Est. 1900FDIC #7,624

Satisfactory Same

Current rating · Exam: January 2011

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

FIRST CITIZENS NATIONAL BANK holds a Satisfactory CRA rating (2011).

Institution Profile

FDIC BankFind

Address

Main Street, MONTGOMERY, PA

County

Lycoming County

Established

June 16, 1900

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

January 3, 2011

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 15 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,047	68.58%	15.95%
2020	1,693	75.43%	7.86%
2019	1,225	75.02%	8.41%
2018	1,279	76.23%	10.32%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2011	Satisfactory	Large Bank
Dec 2006	Satisfactory	Large Bank
Mar 2003	Outstanding	Large Bank

4 previous ratings locked — back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

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

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

Updates automatically when the rating changes.

Preview: