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This institution is no longer active

Operations ceased on March 6, 2020. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK

OKEMAH, OK · Supervised by FDIC

Est. 1908FDIC #419RSSD: FDIC-419
Part ofCITIZENS BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.24%

Institution Profile

FDIC BankFind

Address

402 West Broadway, OKEMAH, OK

County

Okfuskee County

Established

February 8, 1908

Total Assets

$59M(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

February 1, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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

$59M

Total Deposits

$44M

Net Loans

$25M

Net Income

$-3,685K

ROA

-5.24%

ROE

-26.60%

Risk-Based Capital

45.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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