This institution is no longer active

Operations ceased on October 15, 1996. CRA examination history below reflects the period it was active.

CITIZENS BANK OF SOUTHERN MISSOURI

AVA, MO · Supervised by FDIC

Est. 1905FDIC #8,294RSSD: FDIC-8294

Part ofMISSOURI VALLEY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: September 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

400 South Jefferson Street, AVA, MO

County

Douglas County

Established

July 5, 1905

Total Assets

$64M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q3 1996Call Report / FDIC

Total Assets

$64M

Total Deposits

$59M

Net Loans

$36M

Net Income

$511K

ROA

1.09%

ROE

15.05%

Risk-Based Capital

13.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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