CITIZENS FINANCIAL CORP is the parent banking group. CITIZENS BANK OF WEST VIRGINIA, INC. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CITIZENS FINANCIAL CORP

Legal name: CITIZENS FINANCIAL CORP.

1 active bank · $775M combined assets

RSSD ID: 1142970 (FFIEC NIC)

Combined Assets

$775M

CRA Rating Summary

Satisfactory1charter

Across all 4 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS BANK OF WEST VIRGINIA, INC.ELKINS, WVSatisfactory$775MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$775M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$688M

Net Income

$4M

ROA (avg)

1.97%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS BANK OF WEST VIRGINIA, INC.	ELKINS, WV	FDIC	$775M	100.0%	Satisfactory	Oct 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.