🏦Bank Scorer

This institution is no longer active

Operations ceased on October 22, 1998. CRA examination history below reflects the period it was active.

CITIZENS FIRST BANK

ARKADELPHIA, AR · Supervised by FDIC

Est. 1888FDIC #3,852RSSD: FDIC-3852
Part ofREGIONS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 1996

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

5th And Main Streets, ARKADELPHIA, AR

County

Clark County

Established

September 1, 1888

Total Assets

$52M(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

December 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 Q3 1998Call Report / FDIC

Total Assets

$52M

Total Deposits

$45M

Net Loans

$27M

Net Income

$500K

ROA

1.30%

ROE

10.71%

Risk-Based Capital

13.57%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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/6940eb8a-b438-4592-8c39-e91ec9c274b9"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: