This institution is no longer active

Operations ceased on May 22, 1991. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK

GIDDINGS, TX · Supervised by FDIC

Est. 1906FDIC #11,182RSSD: FDIC-11182

Part ofBANCWEST BCORP INC→ View all charters

Satisfactory

Current rating · Exam: April 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

Main Street, GIDDINGS, TX

County

Lee County

Established

January 9, 1906

Total Assets

$131M(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

April 8, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 1991Call Report / FDIC

Total Assets

$131M

Total Deposits

$120M

Net Loans

$17M

Net Income

$365K

ROA

1.08%

ROE

14.54%

Risk-Based Capital

27.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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