SPECTOR HOLDINGS MGNT L L C is the parent banking group. CITIZENS STATE BANK OF LULING is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

SPECTOR HOLDINGS MGNT L L C

Legal name: SPECTOR HOLDINGS MANAGEMENT, L.L.C.

1 active bank · $64M combined assets

RSSD ID: 3037557 (FFIEC NIC)

Combined Assets

$64M

CRA Rating Summary

Satisfactory1charter

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

Primary bankCITIZENS STATE BANK OF LULINGLULING, TXSatisfactory$64MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$64M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$51M

Net Income

$78K

ROA (avg)

0.49%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
CITIZENS STATE BANK OF LULING	LULING, TX	FDIC	$64M	Satisfactory	Jun 2020

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