This institution is no longer active

Operations ceased on March 1, 1997. CRA examination history below reflects the period it was active.

CITIZENS TRUST COMPANY

PROVIDENCE, RI · Supervised by FDIC

Est. 1828FDIC #16,955RSSD: FDIC-16955

Part ofGOVERNOR&COMPANY BK IRELAND→ View all charters

Outstanding Same

Current rating · Exam: August 1995

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

Address

One Citizens Plaza, PROVIDENCE, RI

County

Providence County

Established

January 1, 1828

Total Assets

$1.4B(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

August 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 Q4 1996Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.1B

Net Loans

$681M

Net Income

$21M

ROA

1.63%

ROE

22.12%

Risk-Based Capital

10.55%

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 1992

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/a9378080-df02-490f-a56d-37a3c3812123"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: