This institution is no longer active

Operations ceased on February 15, 2005. CRA examination history below reflects the period it was active.

CITIZENS FINANCIAL BANK, INC.

GLASGOW, KY · Supervised by FDIC

Est. 2001FDIC #57,028RSSD: FDIC-57028

Part of1ST INDEPENDENCE FINL GROUP→ View all charters

Satisfactory

Current rating · Exam: September 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.01%

Institution Profile

FDIC BankFind

Address

13 West Public Square, GLASGOW, KY

County

Barren County

Established

July 17, 2001

Total Assets

$38M(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, 2003

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)

Financial Snapshot

As of Q4 2004Call Report / FDIC

Total Assets

$38M

Total Deposits

$32M

Net Loans

$29M

Net Income

$-6K

ROA

-0.01%

ROE

-0.15%

Risk-Based Capital

14.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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