This institution is no longer active

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

CITIZENS BANK AND TRUST COMPANY

MANHATTAN, KS · Supervised by FDIC

Est. 1905FDIC #17,712RSSD: FDIC-17712

Part ofUMB FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: September 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.96%

Institution Profile

FDIC BankFind

Address

6th And Humboldt Streets, MANHATTAN, KS

County

Riley County

Established

January 1, 1905

Total Assets

$104M(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, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 Q2 1994Call Report / FDIC

Total Assets

$104M

Total Deposits

$75M

Net Loans

$50M

Net Income

$1M

ROA

1.96%

ROE

10.90%

Risk-Based Capital

28.17%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.26%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	133	92.48%	5.26%
2023	185	86.49%	8.11%
2022	190	86.32%	7.37%
2021	146	80.82%	12.33%
2020	165	82.42%	8.48%
2019	196	80.61%	11.73%
2018	187	83.96%	9.09%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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