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This institution is no longer active

Operations ceased on September 23, 2011. CRA examination history below reflects the period it was active.

CITIZENS BANK OF NORTHERN CALIFORNIA

NEVADA CITY, CA · Supervised by FDIC

Est. 1995FDIC #33,983RSSD: FDIC-33983
Part ofCITIZENS BCORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.09%

Institution Profile

FDIC BankFind

Address

305 Railroad Avenue, Suite #1, NEVADA CITY, CA

County

Nevada County

Established

February 8, 1995

Total Assets

$289M(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, 2011

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 2011Call Report / FDIC

Total Assets

$289M

Total Deposits

$253M

Net Loans

$215M

Net Income

$-4,768K

ROA

-3.09%

ROE

-68.10%

Risk-Based Capital

6.00%

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 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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