Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$828M
Total Deposits
$623M
Net Loans
$486M
Net Income
$3M
ROA
1.60%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.25%
Risk-Based Capital
37.12%
Above avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 122 | 66.39% | 8.20% |
| 2023 | 118 | 60.17% | 11.86% |
| 2022 | 158 | 58.86% | 8.86% |
| 2021 | 221 | 69.68% | 11.31% |
| 2020 | 237 | 75.11% | 8.86% |
| 2019 | 148 | 62.84% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2012 | Satisfactory | Intermediate Small Bank |
| Oct 2009 | Satisfactory | Intermediate Small Bank |
| Sep 2006 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
4
Branch Deposits
$570M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/citizens-1st-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 178 | 73.6% | 11.80% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red