🏦Bank Scorer

This institution is no longer active

Operations ceased on August 12, 2009. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

CLEARWATER, NE · Supervised by FDIC

Est. 1933FDIC #8,338RSSD: FDIC-8338
Part ofCLEARWATER DEVELOPMENT CO INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.18%

Institution Profile

FDIC BankFind

Address

522 Main Street, CLEARWATER, NE

County

Antelope County

Established

January 1, 1933

Total Assets

$15M(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 Q2 2009Call Report / FDIC

Total Assets

$15M

Total Deposits

$13M

Net Loans

$11M

Net Income

$-14K

ROA

-0.18%

ROE

-1.75%

Risk-Based Capital

13.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

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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