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

Bank Holding Company

HUGOTON BANCSHARES INC

Legal name: HUGOTON BANCSHARES, INC.

1 active bank · $143M combined assets

RSSD ID: 1059573 (FFIEC NIC)

Combined Assets

$143M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE CITIZENS STATE BANKHUGOTON, KSSatisfactory$143MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$143M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$124M

Net Income

$325K

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
THE CITIZENS STATE BANK	HUGOTON, KS	FDIC	$143M	83.0%	Satisfactory	Nov 2025

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