🏦Bank Scorer

This institution is no longer active

Operations ceased on November 4, 2025. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

ROMA, TX · Supervised by FDIC

Est. 1978FDIC #22,657RSSD: FDIC-22657
Satisfactory Same

Current rating · Exam: December 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.17%

Institution Profile

FDIC BankFind

Address

1709 N Grant St, ROMA, TX

County

Starr County

Established

May 15, 1978

Total Assets

$79M(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

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$79M

Total Deposits

$68M

Net Loans

$37M

Net Income

$98K

ROA

0.17%

ROE

1.90%

Risk-Based Capital

22.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$68M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/45a0d6bb-7376-4d3c-a2a3-17ed123130b9"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: