This institution is no longer active

Operations ceased on November 11, 2000. CRA examination history below reflects the period it was active.

CITIZENS BANK OF TULSA

TULSA, OK · Supervised by FDIC

Est. 1981FDIC #23,349RSSD: FDIC-23349

Part ofGOLD BANC CORP INC→ View all charters

Outstanding Up

Current rating · Exam: December 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.17%

Institution Profile

FDIC BankFind

Address

2500 West Edison Street, TULSA, OK

County

Tulsa County

Established

March 16, 1981

Total Assets

$282M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2000Call Report / FDIC

Total Assets

$282M

Total Deposits

$245M

Net Loans

$212M

Net Income

$3M

ROA

1.17%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.35%

Risk-Based Capital

11.55%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.17%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.55%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Dec 1996	Outstanding	Small Bank
Dec 1994	Satisfactory	Not Reported
Apr 1992	Satisfactory	Not Reported

2 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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