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This institution is no longer active

Operations ceased on July 17, 2009. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

WAUKON, IA · Supervised by FDIC

Est. 1891FDIC #5,822RSSD: FDIC-5822
Part ofFIDELITY CO→ View all charters
Satisfactory Same

Current rating · Exam: April 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.93%

Institution Profile

FDIC BankFind

Address

820 11th Avenue, S.W., WAUKON, IA

County

Allamakee County

Established

July 10, 1891

Total Assets

$66M(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

April 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2009Call Report / FDIC

Total Assets

$66M

Total Deposits

$55M

Net Loans

$42M

Net Income

$-1,297K

ROA

-3.93%

ROE

-31.58%

Risk-Based Capital

12.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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