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This institution is no longer active

Operations ceased on April 20, 2013. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK

MILTONVALE, KS · Supervised by FDIC

Est. 1934FDIC #17,315RSSD: FDIC-17315
Part ofHOPE BANCSHARES INC→ View all charters
Needs to Improve Down

Current rating · Exam: September 1996

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

201 Starr Avenue, MILTONVALE, KS

County

Cloud County

Established

January 1, 1934

Total Assets

$30M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

September 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 Q1 2013Call Report / FDIC

Total Assets

$30M

Total Deposits

$27M

Net Loans

$13M

Net Income

$62K

ROA

0.77%

ROE

8.93%

Risk-Based Capital

16.19%

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 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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