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This institution is no longer active

Operations ceased on July 20, 2001. CRA examination history below reflects the period it was active.

THE CITIZENS BANK AND TRUST COMPANY OF GRAYSON COUNTY

LEITCHFIELD, KY · Supervised by FDIC

Est. 1907FDIC #8,115RSSD: FDIC-8115
Part ofWILSON&MUIR BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.73%

Institution Profile

FDIC BankFind

Address

118 South Main Street, LEITCHFIELD, KY

County

Grayson County

Established

February 2, 1907

Total Assets

$76M(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

January 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2001Call Report / FDIC

Total Assets

$76M

Total Deposits

$64M

Net Loans

$47M

Net Income

$1M

ROA

2.73%

ROE

19.19%

Risk-Based Capital

23.41%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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