CITIZENS BANCSHARES INC is the bank holding company. THE CITIZENS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
CITIZENS BANCSHARES INC
Legal name: CITIZENS BANCSHARES, INC.
1 active bank · $130M combined assets
RSSD ID: 1086382 (FFIEC NIC)
Combined Assets
$130M
CRA Rating Summary
Satisfactory1charter
Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$130M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$117M
Net Income
$357K
ROA (avg)
1.1%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| THE CITIZENS BANK | GREENSBORO, AL | FDIC | $130M | 100.0% | Satisfactory | Feb 2026 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.