This institution is no longer active

Operations ceased on February 1, 1994. CRA examination history below reflects the period it was active.

CITIZENS BANK AND TRUST COMPANY

ABILENE, KS · Supervised by FDIC

Est. 1885FDIC #1,142RSSD: FDIC-1142

Part ofBUSINESS BANC OF AMERICA INC→ View all charters

Needs to Improve Down

Current rating · Exam: July 1992

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

401 North Spruce Street, ABILENE, KS

County

Dickinson County

Established

October 20, 1885

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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

July 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1993Call Report / FDIC

Total Assets

$50M

Total Deposits

$43M

Net Loans

$25M

Net Income

$577K

ROA

1.08%

ROE

12.02%

Risk-Based Capital

20.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating 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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