🏦Bank Scorer

CITIZENS STATE BANK

WOODVILLE, TX · Supervised by FDIC

Est. 1920FDIC #12,303RSSD: FDIC-12303
Part ofGRAHAMJB6 CO→ View all charters
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.81%

Institution Profile

FDIC BankFind

Address

102 W Bluff St, WOODVILLE, TX

County

Tyler County

Established

May 8, 1920

Total Assets

$478M(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

January 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$478M

Total Deposits

$416M

Net Loans

$353M

Net Income

$955K

ROA

0.81%

ROE

6.53%

Risk-Based Capital

16.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$323M

1-Year Change

+1

5-year net change: -2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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