This institution is no longer active

Operations ceased on March 10, 2023. CRA examination history below reflects the period it was active.

CITIZENS COMMERCE BANK

VERSAILLES, KY · Supervised by FDIC

Est. 1996FDIC #34,256RSSD: FDIC-34256

Part ofTD Bank, N.A.→ View all charters

Satisfactory

Current rating · Exam: September 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Address

534 Marsailles Rd, VERSAILLES, KY

County

Woodford County

Established

November 12, 1996

Total Assets

$336M(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, 2020

Exam Type

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 Q4 2022Call Report / FDIC

Total Assets

$336M

Total Deposits

$302M

Net Loans

$264M

Net Income

$3M

ROA

1.01%

ROE

10.32%

Risk-Based Capital

0.00%

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 Rate13.64%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	22	77.27%	13.64%
2022	219	74.43%	8.22%
2021	243	56.79%	12.35%
2020	233	54.08%	9.87%
2019	177	61.02%	8.47%
2018	184	67.39%	9.78%

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

This is the only examination on record for this bank.

Embed this rating

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

<iframe
  src="https://bankscorer.com/widget/bank/6e7c723b-a0f1-4e7f-94ba-b3d3a35ac130"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: