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This institution is no longer active

Operations ceased on April 30, 2010. CRA examination history below reflects the period it was active.

CITIZENS FIRST SAVINGS BANK

PORT HURON, MI · Supervised by FDIC

Est. 1937FDIC #30,005RSSD: FDIC-30005
Outstanding Same

Current rating · Exam: March 2009

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -21.39%

Institution Profile

FDIC BankFind

Address

525 Water Street, PORT HURON, MI

County

St. Clair County

Established

January 1, 1937

Total Assets

$1.6B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 2, 2009

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 Q1 2010Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.1B

Net Income

$-88,566K

ROA

-21.39%

Risk-Based Capital

-6.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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