This institution is no longer active

Operations ceased on May 20, 1995. CRA examination history below reflects the period it was active.

CITIZENS SAVINGS, INC., SSB

CONCORD, NC · Supervised by FDIC

Est. 1906FDIC #28,173RSSD: FDIC-28173

Part ofSECURITY CAPITAL BCORP→ View all charters

Satisfactory

Current rating · Exam: April 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

31 Union Street North, CONCORD, NC

County

Cabarrus County

Established

January 1, 1906

Total Assets

$197M(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

April 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1995Call Report / FDIC

Total Assets

$197M

Total Deposits

$178M

Net Loans

$124M

Net Income

$456K

ROA

0.92%

ROE

13.69%

Risk-Based Capital

15.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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