🏦Bank Scorer

This institution is no longer active

Operations ceased on September 19, 1997. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

HEMPSTEAD, TX · Supervised by FDIC

Est. 1906FDIC #11,150RSSD: FDIC-11150
Satisfactory Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.16%

Institution Profile

FDIC BankFind

Address

13th And Austin Streets, HEMPSTEAD, TX

County

Waller County

Established

January 20, 1906

Total Assets

$46M(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

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q2 1997Call Report / FDIC

Total Assets

$46M

Total Deposits

$41M

Net Loans

$17M

Net Income

$37K

ROA

0.16%

ROE

1.66%

Risk-Based Capital

20.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 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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