🏦Bank Scorer

This institution is no longer active

Operations ceased on September 18, 2021. CRA examination history below reflects the period it was active.

CITIZENS DEPOSIT BANK & TRUST

VANCEBURG, KY · Supervised by FDIC

Est. 1930FDIC #12,165RSSD: FDIC-12165
Part ofPREMIER FINANCIAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

10 Second St, VANCEBURG, KY

County

Lewis County

Established

October 21, 1930

Total Assets

$654M(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, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2021Call Report / FDIC

Total Assets

$654M

Total Deposits

$560M

Net Loans

$305M

Net Income

$4M

ROA

1.22%

ROE

13.21%

Risk-Based Capital

16.17%

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 Rate2.91%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202110396.12%2.91%
202019392.23%3.63%
201915293.42%2.63%
201814089.29%3.57%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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