This institution is no longer active

Operations ceased on June 16, 2003. CRA examination history below reflects the period it was active.

CITIZENS BANK AND TRUST COMPANY

HUDSON, IA · Supervised by FDIC

Est. 1869FDIC #16,257RSSD: FDIC-16257

Part ofMAHASKA INVESTMENT CO ESOP→ View all charters

Satisfactory Same

Current rating · Exam: September 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.13%

Institution Profile

FDIC BankFind

Address

100 Eddystone Drive, HUDSON, IA

County

Black Hawk County

Established

January 1, 1869

Total Assets

$72M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 2003Call Report / FDIC

Total Assets

$72M

Total Deposits

$61M

Net Loans

$60M

Net Income

$-207K

ROA

-1.13%

ROE

-13.94%

Risk-Based Capital

11.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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