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This institution is no longer active

Operations ceased on March 31, 1995. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

GORMAN, TX · Supervised by FDIC

Est. 1986FDIC #26,589RSSD: FDIC-26589
Part ofMID-TEXAS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Institution Profile

FDIC BankFind

Address

115 South Fisher, GORMAN, TX

County

Eastland County

Established

February 27, 1986

Total Assets

$16M(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, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q4 1994Call Report / FDIC

Total Assets

$16M

Total Deposits

$14M

Net Loans

$4M

Net Income

$73K

ROA

0.45%

ROE

4.99%

Risk-Based Capital

26.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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