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This institution is no longer active

Operations ceased on November 4, 2025. CRA examination history below reflects the period it was active.

CITIZENS STATE BANK

ROMA, TX · Supervised by FDIC

Est. 1978FDIC #22,657RSSD: FDIC-22657
Satisfactory

Current rating · Exam: December 2023

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Institution Profile

FDIC BankFind

Address

1709 N Grant St, ROMA, TX

County

Starr County

Established

May 15, 1978

Total Assets

$79M(latest call report)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$79M

Total Deposits

$68M

Net Loans

$37M

Net Income

$98K

ROA

0.17%

ROE

1.90%

Risk-Based Capital

22.86%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

9 previous ratings locked — dating back to 1991

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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