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This institution is no longer active

Operations ceased on October 1, 2013. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK OF CORTEZ

CORTEZ, CO · Supervised by FDIC

Est. 1936FDIC #15,642RSSD: FDIC-15642
Part ofCOMMUNITY BANKSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.37%

Is this bank safe?

THE CITIZENS STATE BANK OF CORTEZ earned an Outstanding CRA rating (1995), shows financial metrics that merit closer review (ROA -0.37%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

77 West Main Street, CORTEZ, CO

County

Montezuma County

Established

June 1, 1936

Total Assets

$77M(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

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 2013Call Report / FDIC

Total Assets

$77M

Total Deposits

$66M

Net Loans

$47M

Net Income

$-218K

ROA

-0.37%

Below avg for Small banks. Peer avg: 0.44%

ROE

-3.20%

Risk-Based Capital

19.05%

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).

ROA-0.37%Peer avg: 0.44%▼ Below avg
Risk-Based Capital19.05%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jul 1995OutstandingNot Reported
Apr 1993OutstandingNot Reported
Jan 1991OutstandingNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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