🏦Bank Scorer

This institution is no longer active

Operations ceased on October 23, 2000. CRA examination history below reflects the period it was active.

CITIZENS BANK

SHARPSBURG, KY · Supervised by FDIC

Est. 1904FDIC #8,788RSSD: FDIC-8788
Part ofPREMIER FINANCIAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.48%

Institution Profile

FDIC BankFind

Address

648 Main Street, SHARPSBURG, KY

County

Bath County

Established

January 1, 1904

Total Assets

$50M(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

September 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 Q3 2000Call Report / FDIC

Total Assets

$50M

Total Deposits

$45M

Net Loans

$43M

Net Income

$537K

ROA

1.48%

ROE

17.45%

Risk-Based Capital

11.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating 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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