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This institution is no longer active

Operations ceased on December 6, 2008. CRA examination history below reflects the period it was active.

THE CITIZENS BANK

MOULTON, AL · Supervised by FDIC

Est. 1912FDIC #1,739RSSD: FDIC-1739
Part ofCITIZENS BCORP OF LAWRENCE→ View all charters
Satisfactory Same

Current rating · Exam: May 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

118 South Market Street, MOULTON, AL

County

Lawrence County

Established

January 1, 1912

Total Assets

$101M(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

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2008Call Report / FDIC

Total Assets

$101M

Total Deposits

$84M

Net Loans

$41M

Net Income

$662K

ROA

0.82%

ROE

5.76%

Risk-Based Capital

32.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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