CITIZENS STATE FINANCIAL CORP is the bank holding company. CITIZENS STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CITIZENS STATE FINANCIAL CORP

Legal name: CITIZENS STATE FINANCIAL CORPORATION

1 active bank · 1 merged/absorbed · $190M combined assets

RSSD ID: 1105818 (FFIEC NIC)

Combined Assets

$190M

CRA Rating Summary

Satisfactory1charter

Across all 14 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS STATE BANKCORRIGAN, TXSatisfactory$190MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$190M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$168M

Net Income

$916K

ROA (avg)

1.94%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS STATE BANK	CORRIGAN, TX	FDIC	$190M	100.0%	Satisfactory	Aug 2024

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