This institution is no longer active

Operations ceased on September 11, 1995. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

OWENSBORO, KY · Supervised by FDIC

Est. 1935FDIC #15,140RSSD: FDIC-15140

Part ofBANK ONE CORP→ View all charters

Satisfactory

Current rating · Exam: August 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.26%

Institution Profile

FDIC BankFind

Address

200 East Third Street, OWENSBORO, KY

County

Daviess County

Established

May 16, 1935

Total Assets

$265M(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

August 17, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 1995Call Report / FDIC

Total Assets

$265M

Total Deposits

$233M

Net Loans

$197M

Net Income

$2M

ROA

1.26%

ROE

15.95%

Risk-Based Capital

12.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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