This institution is no longer active

Operations ceased on March 26, 2005. CRA examination history below reflects the period it was active.

THE CITIZENS BANK OF SPARTA

SPARTA, MO · Supervised by FDIC

Est. 1919FDIC #12,459RSSD: FDIC-12459

Part ofCENTURY BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: October 1998

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.12%

Is this bank safe?

THE CITIZENS BANK OF SPARTA earned an Outstanding CRA rating (1998), meets basic financial requirements (ROA +0.12%).

Institution Profile

FDIC BankFind

Address

Main At Oak Street, SPARTA, MO

County

Christian County

Established

August 20, 1919

Total Assets

$44M(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

October 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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)

Financial Snapshot

As of Q4 2004Call Report / FDIC

Total Assets

$44M

Total Deposits

$39M

Net Loans

$30M

Net Income

$53K

ROA

0.12%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.10%

Risk-Based Capital

11.26%

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).

ROA0.12%Peer avg: 0.44%▼ Below avg

Risk-Based Capital11.26%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1998	Outstanding	Small Bank
Apr 1996	Outstanding	Small Bank
Jun 1994	Satisfactory	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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