🏦Bank Scorer

CITIZENS STATE BANK

SHELDON, IA · Supervised by FDIC

Est. 1961FDIC #18,356RSSD: FDIC-18356
Part ofDIXON BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.74%

Institution Profile

FDIC BankFind

Address

808 3rd Ave, SHELDON, IA

County

O'Brien County

Established

March 15, 1961

Total Assets

$197M(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

March 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2031(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$197M

Total Deposits

$173M

Net Loans

$128M

Net Income

$861K

ROA

1.74%

ROE

14.68%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$166M

1-Year Change

0

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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