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This institution is no longer active

Operations ceased on April 28, 2000. CRA examination history below reflects the period it was active.

CITIZENS BANK AND TRUST COMPANY

PALMERTON, PA · Supervised by FDIC

Est. 1928FDIC #6,049RSSD: FDIC-6049
Satisfactory Same

Current rating · Exam: December 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.97%

Institution Profile

FDIC BankFind

Address

372 Delaware Avenue, PALMERTON, PA

County

Carbon County

Established

December 28, 1928

Total Assets

$132M(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

December 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 Q1 2000Call Report / FDIC

Total Assets

$132M

Total Deposits

$109M

Net Loans

$55M

Net Income

$321K

ROA

0.97%

ROE

7.59%

Risk-Based Capital

29.27%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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