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This institution is no longer active

Operations ceased on March 22, 1996. CRA examination history below reflects the period it was active.

THE CITIZENS BANK OF MACCLENNY

MACCLENNY, FL · Supervised by FDIC

Est. 1924FDIC #11,288RSSD: FDIC-11288
Satisfactory Same

Current rating · Exam: January 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.89%

Institution Profile

FDIC BankFind

Address

1 West Macclenny Avenue, MACCLENNY, FL

County

Baker County

Established

January 1, 1924

Total Assets

$85M(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, 1996

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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

$85M

Total Deposits

$72M

Net Loans

$54M

Net Income

$2M

ROA

1.89%

ROE

14.72%

Risk-Based Capital

23.41%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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