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This institution is no longer active

Operations ceased on February 13, 2026. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK OF WAVERLY, INC.

WAVERLY, MN · Supervised by FDIC

Est. 1907FDIC #9,337RSSD: FDIC-9337
Part ofCATTAIL BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

609 Pacific Ave, WAVERLY, MN

County

Wright County

Established

January 1, 1907

Total Assets

$118M(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

January 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2031(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$118M

Total Deposits

$107M

Net Loans

$59M

Net Income

$742K

ROA

0.65%

ROE

8.11%

Risk-Based Capital

18.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.53%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$103M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20191984.21%10.53%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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