This institution is no longer active

Operations ceased on March 21, 1991. CRA examination history below reflects the period it was active.

CITADEL BANK

WILLIS, TX · Supervised by FDIC

Est. 1916FDIC #10,331RSSD: FDIC-10331

Part ofCITADEL BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: December 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.33%

Institution Profile

FDIC BankFind

Address

501 West Montgomery Street, WILLIS, TX

County

Montgomery County

Established

December 20, 1916

Total Assets

$22M(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

December 19, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 Q4 1990Call Report / FDIC

Total Assets

$22M

Total Deposits

$22M

Net Loans

$11M

Net Income

$-828K

ROA

-3.33%

ROE

-138.42%

Risk-Based Capital

-0.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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