This institution is no longer active

Operations ceased on July 1, 2003. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK OF DICKINSON, TEXAS

DICKINSON, TX · Supervised by FDIC

Est. 1906FDIC #9,017RSSD: FDIC-9017

Part ofMAXIM FINANCIAL HOLDINGS INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2000

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 3.06%

Institution Profile

FDIC BankFind

Address

2401 Termini Street, DICKINSON, TX

County

Galveston County

Established

January 1, 1906

Total Assets

$312M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 Q2 2003Call Report / FDIC

Total Assets

$312M

Total Deposits

$242M

Net Loans

$97M

Net Income

$5M

ROA

3.06%

Above avg for Small banks. Peer avg: 0.44%

ROE

32.80%

Risk-Based Capital

22.21%

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).

ROA3.06%Peer avg: 0.44%▲ Above avg

Risk-Based Capital22.21%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2000	Satisfactory	Small Bank
Nov 1996	Satisfactory	Small Bank
May 1993	Outstanding	Not Reported

1 previous rating locked — back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/868ed66a-de62-4085-b5d3-648dcde3c280"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: