🏦Bank Scorer

CITIZENS STATE BANK

CADOTT, WI · Supervised by FDIC

Est. 1902FDIC #2,467RSSD: FDIC-2467
Part ofCITIZENS BCORP INC→ 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 1.14%

Institution Profile

FDIC BankFind

Address

304 N Main St, CADOTT, WI

County

Chippewa County

Established

August 20, 1902

Total Assets

$243M(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 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$243M

Total Deposits

$195M

Net Loans

$193M

Net Income

$706K

ROA

1.14%

ROE

13.82%

Risk-Based Capital

12.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$188M

1-Year Change

0

5-year net change: +3 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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