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This institution is no longer active

Operations ceased on September 30, 2022. CRA examination history below reflects the period it was active.

CITIZENS BANK OF FLORIDA

OVIEDO, FL · Supervised by FDIC

Est. 1946FDIC #16,442RSSD: FDIC-16442
Part ofCITIZENS BCORP OF OVIEDO INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Address

156 Geneva Dr, OVIEDO, FL

County

Seminole County

Established

July 1, 1946

Total Assets

$496M(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

June 1, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 2022Call Report / FDIC

Total Assets

$496M

Total Deposits

$454M

Net Loans

$263M

Net Income

$964K

ROA

0.72%

ROE

9.87%

Risk-Based Capital

14.63%

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 Rate20.00%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193562.86%20.00%
20183177.42%12.90%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings 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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