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This institution is no longer active

Operations ceased on April 30, 1973. CRA examination history below reflects the period it was active.

FIRST CITIZENS NATIONAL BANK

MONTGOMERY, PA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1900FDIC #7,624
Satisfactory Same

Current rating · Exam: January 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

Main Street, MONTGOMERY, PA

County

Lycoming County

Established

June 16, 1900

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

January 3, 2011

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 15 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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,04768.58%15.95%
202396067.71%13.85%
202298569.24%9.24%
20211,56674.52%7.34%
20201,69375.43%7.86%
20191,22575.02%8.41%
20181,27976.23%10.32%

2024 national avg denial rate: 23.75% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 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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