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This institution is no longer active

Operations ceased on February 14, 2020. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK - MIDWEST

CAVALIER, ND · Supervised by FDIC

Est. 1936FDIC #15,333RSSD: FDIC-15333
Part ofKODA BANCOR INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.73%

Institution Profile

FDIC BankFind

Address

307 Main Street West, CAVALIER, ND

County

Pembina County

Established

February 7, 1936

Total Assets

$131M(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

July 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2019Call Report / FDIC

Total Assets

$131M

Total Deposits

$108M

Net Loans

$102M

Net Income

$2M

ROA

1.73%

ROE

12.26%

Risk-Based Capital

16.20%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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