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This institution is no longer active

Operations ceased on October 1, 2016. CRA examination history below reflects the period it was active.

FIRST AND CITIZENS BANK

MONTEREY, VA · Supervised by FDIC

Est. 1929FDIC #13,011RSSD: FDIC-13011
Part ofHIGHLAND COUNTY BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.27%

Institution Profile

FDIC BankFind

Address

195 West Main Strret, MONTEREY, VA

County

Highland County

Established

September 1, 1929

Total Assets

$122M(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

February 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 Q3 2016Call Report / FDIC

Total Assets

$122M

Total Deposits

$107M

Net Loans

$61M

Net Income

$254K

ROA

0.27%

ROE

2.26%

Risk-Based Capital

31.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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