CITIZENS BANCSHARES LOYAL INC is the parent banking group. CITIZENS STATE BANK OF LOYAL is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CITIZENS BANCSHARES LOYAL INC

Legal name: CITIZENS BANCSHARES OF LOYAL, INC.

1 active bank · $307M combined assets

RSSD ID: 1136410 (FFIEC NIC)

Combined Assets

$307M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS STATE BANK OF LOYALLOYAL, WISatisfactory$307MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$307M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$243M

Net Income

$899K

ROA (avg)

1.17%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

68.06%

Denial Rate

22.22%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS STATE BANK OF LOYAL	LOYAL, WI	FDIC	$307M	100.0%	Satisfactory	Oct 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.