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This institution is no longer active

Operations ceased on November 3, 2011. CRA examination history below reflects the period it was active.

CITIZENS BANK & TRUST COMPANY

SPRINGHILL, LA · Supervised by FDIC

Est. 1955FDIC #17,454RSSD: FDIC-17454
Part ofCITIZENS NATL BANCSHARES BOSSIER→ View all charters
Satisfactory Same

Current rating · Exam: May 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.78%

Institution Profile

FDIC BankFind

Address

106 South Main Street, SPRINGHILL, LA

County

Webster County

Established

June 20, 1955

Total Assets

$174M(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

May 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 2011Call Report / FDIC

Total Assets

$174M

Total Deposits

$150M

Net Loans

$89M

Net Income

$965K

ROA

0.78%

ROE

7.42%

Risk-Based Capital

13.38%

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 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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