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This institution is no longer active

Operations ceased on January 6, 2000. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK AND TRUST COMPANY

SENECA, KS · Supervised by FDIC

Est. 1894FDIC #15,055RSSD: FDIC-15055
Part ofGOLD BANC CORP INC→ View all charters
Outstanding Same

Current rating · Exam: June 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.53%

Institution Profile

FDIC BankFind

Address

502 Main Street, SENECA, KS

County

Nemaha County

Established

January 1, 1894

Total Assets

$69M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 1999Call Report / FDIC

Total Assets

$69M

Total Deposits

$55M

Net Loans

$42M

Net Income

$1M

ROA

1.53%

ROE

16.31%

Risk-Based Capital

16.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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