🏦Bank Scorer

CITIZENS BANK OF LAFAYETTE

LAFAYETTE, TN · Supervised by FDIC

Est. 1909FDIC #1,711RSSD: FDIC-1711
Part ofCITIZENS BCORP INVESTMENT INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

400 Highway 52 Byp W, LAFAYETTE, TN

County

Macon County

Established

July 1, 1909

Total Assets

$1.8B(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

July 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.8B

Total Deposits

$1.5B

Net Loans

$1.2B

Net Income

$6M

ROA

1.30%

ROE

13.09%

Risk-Based Capital

14.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate0.00%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$1.4B

1-Year Change

-2

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2024487100%0.00%
202390291.91%2.88%
20221,12491.55%3.20%
202128480.63%8.80%
202028982.01%7.61%
201929076.21%11.03%
201831678.16%8.86%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/f92a9fb8-9401-495e-b295-4110bad36a8e"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: