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This institution is no longer active

Operations ceased on February 21, 2014. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

BALD KNOB, AR · Supervised by FDIC

Est. 1934FDIC #8,727RSSD: FDIC-8727
Part ofCITIZENS ST BANKSHARES BALD KNOB→ View all charters
Satisfactory Same

Current rating · Exam: January 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

306 South Elm Street, BALD KNOB, AR

County

White County

Established

January 1, 1934

Total Assets

$70M(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, 2010

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 Q4 2013Call Report / FDIC

Total Assets

$70M

Total Deposits

$62M

Net Loans

$12M

Net Income

$409K

ROA

0.58%

ROE

6.71%

Risk-Based Capital

17.33%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.82%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,92075.57%6.82%
20232,07976.91%7.65%
20222,18875.27%6.86%
20212,22080%5.59%
20202,86581.61%5.41%
20192,12877.68%8.79%
20182,05275.1%9.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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