This institution is no longer active

Operations ceased on August 24, 2007. CRA examination history below reflects the period it was active.

CITIZENS CITY & COUNTY BANK

TRENTON, TN · Supervised by FDIC

Est. 1997FDIC #34,399RSSD: FDIC-34399

Part ofF&M BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: March 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

100 West Armory, TRENTON, TN

County

Gibson County

Established

March 24, 1997

Total Assets

$30M(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

March 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2007Call Report / FDIC

Total Assets

$30M

Total Deposits

$25M

Net Loans

$20M

Net Income

$148K

ROA

0.98%

ROE

6.85%

Risk-Based Capital

17.57%

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 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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