This institution is no longer active

Operations ceased on January 2, 1996. CRA examination history below reflects the period it was active.

THE CITIZENS BANK OF LEEDS

LEEDS, AL · Supervised by FDIC

Est. 1954FDIC #17,349RSSD: FDIC-17349

Part ofALABAMA BCORP→ View all charters

Satisfactory Same

Current rating · Exam: July 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

2600 Second Avenue, LEEDS, AL

County

Jefferson County

Established

August 20, 1954

Total Assets

$61M(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

July 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q4 1995Call Report / FDIC

Total Assets

$61M

Total Deposits

$56M

Net Loans

$31M

Net Income

$698K

ROA

1.17%

ROE

17.49%

Risk-Based Capital

13.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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