🏦Bank Scorer

CITIZENS BANK

BUTLER, MO · Supervised by FDIC

Est. 1926FDIC #22,601RSSD: FDIC-22601
Part ofAMSTERDAM BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.34%

Institution Profile

FDIC BankFind

Address

19 S Orange St, BUTLER, MO

County

Bates County

Established

January 4, 1926

Total Assets

$194M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$194M

Total Deposits

$179M

Net Loans

$166M

Net Income

$1M

ROA

2.34%

ROE

29.25%

Risk-Based Capital

10.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$170M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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