This institution is no longer active

Operations ceased on May 15, 1999. CRA examination history below reflects the period it was active.

CITIZENS BANK

GRAYSON, KY · Supervised by FDIC

Est. 1990FDIC #32,855RSSD: FDIC-32855

Satisfactory

Current rating · Exam: February 1999

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Address

575 North Carol Malone Boulevard, GRAYSON, KY

County

Carter County

Established

March 1, 1990

Total Assets

$14M(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

February 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 Q1 1999Call Report / FDIC

Total Assets

$14M

Total Deposits

$12M

Net Loans

$9M

Net Income

$35K

ROA

1.01%

ROE

8.03%

Risk-Based Capital

19.41%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

Embed this rating

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

<iframe
  src="https://bankscorer.com/widget/bank/65ce5e1c-edf7-4af5-85f9-d05f9a1cba08"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: