FIRST CITIZENS-CRENSHAW BANCSHARES is the parent banking group. FIRST CITIZENS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST CITIZENS-CRENSHAW BANCSHARES

Legal name: FIRST CITIZENS-CRENSHAW BANCSHARES, INC.

1 active bank · $401M combined assets

RSSD ID: 1143379 (FFIEC NIC)

Combined Assets

$401M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST CITIZENS BANKLUVERNE, ALSatisfactory$401MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$401M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$344M

Net Income

$2M

ROA (avg)

1.83%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

116

Origination Rate

81.03%

Denial Rate

12.07%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST CITIZENS BANK	LUVERNE, AL	FDIC	$401M	100.0%	Satisfactory	Sep 2023

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