This institution is no longer active

Operations ceased on May 1, 2009. CRA examination history below reflects the period it was active.

CITIZENS COMMUNITY BANK

RIDGEWOOD, NJ · Supervised by FDIC

Est. 2004FDIC #57,563RSSD: FDIC-57563

Needs to Improve Same

Current rating · Exam: December 2008

CompareWatch

At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -3.62%

Institution Profile

FDIC BankFind

Address

171 East Ridgewood Avenue, RIDGEWOOD, NJ

County

Bergen County

Established

October 28, 2004

Total Assets

$41M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 Q1 2009Call Report / FDIC

Total Assets

$41M

Total Deposits

$41M

Net Loans

$27M

Net Income

$-384K

ROA

-3.62%

Risk-Based Capital

-2.09%

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 2006

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/5ddee412-e752-4a8e-834f-b02cba1b4aad"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: