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This institution is no longer active

Operations ceased on November 7, 2003. CRA examination history below reflects the period it was active.

CITIZENS BANK OF TEXAS

NEW WAVERLY, TX · Supervised by FDIC

Est. 1907FDIC #10,336RSSD: FDIC-10336
Part ofMOW RPW MANAGEMENT II INC→ View all charters
Satisfactory Same

Current rating · Exam: May 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.79%

Institution Profile

FDIC BankFind

Address

Highway 75 And Fm 1375, NEW WAVERLY, TX

County

Walker County

Established

January 1, 1907

Total Assets

$127M(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

May 30, 1992

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 34 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 Q3 2003Call Report / FDIC

Total Assets

$127M

Total Deposits

$104M

Net Loans

$105M

Net Income

$725K

ROA

0.79%

ROE

5.39%

Risk-Based Capital

11.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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