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This institution is no longer active

Operations ceased on August 21, 2009. CRA examination history below reflects the period it was active.

THE CITIZENS BANK OF HIGGINSPORT, OHIO

HIGGINSPORT, OH · Supervised by FDIC

Est. 1901FDIC #12,755RSSD: FDIC-12755
Part ofCB BCORP INC→ View all charters
Satisfactory Down

Current rating · Exam: August 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.35%

Institution Profile

FDIC BankFind

Address

314 Washington Street, HIGGINSPORT, OH

County

Brown County

Established

January 1, 1901

Total Assets

$114M(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

August 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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 2009Call Report / FDIC

Total Assets

$114M

Total Deposits

$103M

Net Loans

$73M

Net Income

$200K

ROA

0.35%

ROE

3.71%

Risk-Based Capital

15.99%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings 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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