HOWARD COUNTY LAND&CATTLE CO is the bank holding company. CITIZENS BANK & TRUST COMPANY 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
HOWARD COUNTY LAND&CATTLE CO
Legal name: HOWARD COUNTY LAND AND CATTLE CO.
1 active bank · $233M combined assets
RSSD ID: 1051401 (FFIEC NIC)
Combined Assets
$233M
CRA Rating Summary
Satisfactory1charter
Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$233M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$195M
Net Income
$558K
ROA (avg)
0.92%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| CITIZENS BANK & TRUST COMPANY | SAINT PAUL, NE | FDIC | $233M | 100.0% | Satisfactory | Jan 2026 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.