🏦Bank Scorer

This institution is no longer active

Operations ceased on February 24, 2003. CRA examination history below reflects the period it was active.

CITIZENS BANK

MOUNT AYR, IA · Supervised by FDIC

Est. 1934FDIC #18,608RSSD: FDIC-18608
Part ofGREAT WESTERN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

Address

100 East South Street, MOUNT AYR, IA

County

Ringgold County

Established

January 1, 1934

Total Assets

$266M(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

June 1, 1999

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)

Financial Snapshot

As of Q4 2002Call Report / FDIC

Total Assets

$266M

Total Deposits

$221M

Net Loans

$217M

Net Income

$4M

ROA

1.63%

ROE

16.96%

Risk-Based Capital

12.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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