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Community Reinvestment Act

CRA Public File

In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), Citizens Bank & Trust Company is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. By providing the CRA Public File online, Citizens is better able to keep this data up to date. The information provided is current as of April 1 of each year. If you're interested in viewing our CRA Public File, please click on the documents listed below.

CRA Performance Evaluation

CRA Performance Evaluation

List of Services

ATM Description
Products, Services & Transaction Fees
Products & Service Available by Branch

CRA Branch Listing

Branch Listing, Description & Hours

Assessment of Area Map

Area Map
Area Map of Branches & ATMs

Opened & Closed Branches

Opened & Closed Branches

Public Comments & Responses

Comments & Responses

Loan-to-Deposit Ratio