This institution is no longer active

Operations ceased on July 7, 1994. CRA examination history below reflects the period it was active.

CITIZENS UNION BANK

CENTRAL CITY, KY · Supervised by FDIC

Est. 1921FDIC #5,853RSSD: FDIC-5853

Part ofFIRST CITIZENS UNITED INC→ View all charters

Satisfactory Same

Current rating · Exam: November 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Address

409 South Second Street, CENTRAL CITY, KY

County

Muhlenberg County

Established

January 1, 1921

Total Assets

$26M(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

November 1, 1993

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 Q2 1994Call Report / FDIC

Total Assets

$26M

Total Deposits

$23M

Net Loans

$15M

Net Income

$66K

ROA

0.50%

ROE

4.35%

Risk-Based Capital

22.51%

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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