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This institution is no longer active

Operations ceased on January 1, 1999. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK OF MONTGOMERY

MONTGOMERY, MN · Supervised by FDIC

Est. 1905FDIC #13,439RSSD: FDIC-13439
Part ofFRANDSEN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

103 Elm Avenue, MONTGOMERY, MN

County

Le Sueur County

Established

November 5, 1905

Total Assets

$38M(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, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1998Call Report / FDIC

Total Assets

$38M

Total Deposits

$31M

Net Loans

$24M

Net Income

$402K

ROA

1.11%

ROE

8.97%

Risk-Based Capital

14.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 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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