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This institution is no longer active

Operations ceased on April 1, 2016. CRA examination history below reflects the period it was active.

THE CITIZENS EXCHANGE BANK

FAIRMOUNT, IN · Supervised by FDIC

Est. 1893FDIC #195RSSD: FDIC-195
Part ofCENTURY BANK CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.71%

Institution Profile

FDIC BankFind

Address

102 South Main Street, FAIRMOUNT, IN

County

Grant County

Established

July 15, 1893

Total Assets

$57M(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

February 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 Q1 2016Call Report / FDIC

Total Assets

$57M

Total Deposits

$49M

Net Loans

$26M

Net Income

$-104K

ROA

-0.71%

ROE

-5.69%

Risk-Based Capital

29.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 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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