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This institution is no longer active

Operations ceased on May 16, 2003. CRA examination history below reflects the period it was active.

CITIZENS SAVINGS BANK AND TRUST COMPANY

SAINT JOHNSBURY, VT · Supervised by FDIC

Est. 1886FDIC #14,169RSSD: FDIC-14169
Part ofUNION BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

364 Railroad Street, SAINT JOHNSBURY, VT

County

Caledonia County

Established

January 1, 1886

Total Assets

$103M(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

May 1, 2002

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 24 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 2003Call Report / FDIC

Total Assets

$103M

Total Deposits

$89M

Net Loans

$78M

Net Income

$188K

ROA

0.73%

ROE

6.72%

Risk-Based Capital

16.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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