🏦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This institution is no longer active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

FORDYCE, AR · Supervised by FDIC

Est. 1909FDIC #3,862RSSD: FDIC-3862
Part ofREGIONS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Address

611 West Fourth Street, FORDYCE, AR

County

Dallas County

Established

January 1, 1909

Total Assets

$45M(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, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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

$45M

Total Deposits

$39M

Net Loans

$25M

Net Income

$441K

ROA

1.21%

ROE

10.77%

Risk-Based Capital

14.11%

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 Rate3.64%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,96780.79%3.64%
20233,20279.23%3.75%
20224,30380.34%4.74%
20214,88283.06%1.80%
20204,65182.78%2.09%
20193,54382.5%2.68%
20183,23582.29%2.87%

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

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/532c014a-0dac-466a-8bf5-ae38a136233f"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: