CLAYTON BANKSHARES INC is the bank holding company. CITIZENS STATE BANK OF LA CROSSE 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

CLAYTON BANKSHARES INC

Legal name: CLAYTON BANKSHARES, INC.

1 active bank · $653M combined assets

RSSD ID: 1123782 (FFIEC NIC)

Combined Assets

$653M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS STATE BANK OF LA CROSSELA CROSSE, WISatisfactory$653MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$653M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$531M

Net Income

$5M

ROA (avg)

2.85%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

91.92%

Denial Rate

3.03%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS STATE BANK OF LA CROSSE	LA CROSSE, WI	FDIC	$653M	100.0%	Satisfactory	Aug 2025

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