🏦Bank Scorer

This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

BUFFALO, TX · Supervised by FDIC

Est. 1925FDIC #12,501RSSD: FDIC-12501
Part ofINDUSTRY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.02%

Institution Profile

FDIC BankFind

Address

1330 W Commerce St, BUFFALO, TX

County

Leon County

Established

January 1, 1925

Total Assets

$950M(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

August 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
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Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$950M

Total Deposits

$1.0B

Net Loans

$239M

Net Income

$101K

ROA

0.02%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.0B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 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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