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This institution is no longer active

Operations ceased on October 1, 2013. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK OF CORTEZ

CORTEZ, CO · Supervised by FDIC

Est. 1936FDIC #15,642RSSD: FDIC-15642
Part ofCOMMUNITY BANKSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.37%

Institution Profile

FDIC BankFind

Address

77 West Main Street, CORTEZ, CO

County

Montezuma County

Established

June 1, 1936

Total Assets

$77M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q3 2013Call Report / FDIC

Total Assets

$77M

Total Deposits

$66M

Net Loans

$47M

Net Income

$-218K

ROA

-0.37%

ROE

-3.20%

Risk-Based Capital

19.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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