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This institution is no longer active

Operations ceased on August 3, 2019. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

PERRY, FL · Supervised by FDIC

Est. 1958FDIC #17,880RSSD: FDIC-17880
Part ofPERRY BANKING CO INC→ View all charters
Needs to Improve Down

Current rating · Exam: September 2017

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

2000 South Byron Butler Parkway, PERRY, FL

County

Taylor County

Established

July 7, 1958

Total Assets

$273M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

September 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 2019Call Report / FDIC

Total Assets

$273M

Total Deposits

$232M

Net Loans

$189M

Net Income

$2M

ROA

1.19%

ROE

11.44%

Risk-Based Capital

15.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 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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