🏦Bank Scorer

This institution is no longer active

Operations ceased on November 5, 2019. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

TYLER, TX · Supervised by FDIC

Est. 1967FDIC #19,806RSSD: FDIC-19806
Part ofKIDD PARTNERS LTD→ View all charters
Satisfactory Down

Current rating · Exam: September 2009

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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

3915 Ssw Loop 323, TYLER, TX

County

Smith County

Established

November 13, 1967

Total Assets

$347M(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

September 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 2019Call Report / FDIC

Total Assets

$347M

Total Deposits

$262M

Net Loans

$259M

Net Income

$5M

ROA

1.74%

ROE

14.07%

Risk-Based Capital

20.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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