🏦Bank Scorer

This institution is no longer active

Operations ceased on September 1, 2016. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

KINGSLAND, GA · Supervised by FDIC

Est. 1947FDIC #19,753RSSD: FDIC-19753
Part ofSOUTH BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: October 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.76%

Institution Profile

FDIC BankFind

Address

201 East King Avenue, KINGSLAND, GA

County

Camden County

Established

February 24, 1947

Total Assets

$56M(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

October 1, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 2016Call Report / FDIC

Total Assets

$56M

Total Deposits

$52M

Net Loans

$40M

Net Income

$-214K

ROA

-0.76%

ROE

-10.67%

Risk-Based Capital

9.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

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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