Bank Holding Company
OAKLAND FINANCIAL SERVICES INC
1 active bank · 1 merged/absorbed · $712M combined assets
RSSD ID: 1203125
Combined Assets
$712M
CRA Rating Summary
Satisfactory1charter
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
ARBOR BANK
NEBRASKA CITY, NE · FDIC · $712M
SatisfactoryCITIZENS STATE BANK
Merged 2007OAKLAND, IA · FDIC · $80M
Outstanding
| Charter | Location | Regulator | Assets | Current Rating | Exam Date |
|---|---|---|---|---|---|
| ARBOR BANK | NEBRASKA CITY, NE | FDIC | $712M | Satisfactory | Oct 2025 |
| CITIZENS STATE BANKMerged 2007 | OAKLAND, IA | FDIC | $80M | Outstanding | Mar 2003 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.