This institution is no longer active

Operations ceased on December 9, 1995. CRA examination history below reflects the period it was active.

CITIZENS FIRST BANK

ELMA, WA · Supervised by FDIC

Est. 1978FDIC #22,733RSSD: FDIC-22733

Part ofFIRST CMTY FINANCIAL GROUP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

313 Waldrip Street, ELMA, WA

County

Grays Harbor County

Established

December 1, 1978

Total Assets

$37M(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

August 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1995Call Report / FDIC

Total Assets

$37M

Total Deposits

$33M

Net Loans

$26M

Net Income

$296K

ROA

1.13%

ROE

12.26%

Risk-Based Capital

13.89%

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 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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