This institution is no longer active

Operations ceased on April 1, 1995. CRA examination history below reflects the period it was active.

THE CITIZENS STATE BANK OF LOMETA

LOMETA, TX · Supervised by FDIC

Est. 1944FDIC #16,200RSSD: FDIC-16200

Part ofLOMETA BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: July 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.54%

Institution Profile

FDIC BankFind

Address

316-20 Main Street, LOMETA, TX

County

Lampasas County

Established

October 7, 1944

Total Assets

$14M(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

July 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q1 1995Call Report / FDIC

Total Assets

$14M

Total Deposits

$13M

Net Loans

$9M

Net Income

$-210K

ROA

-5.54%

Below avg for Small banks. Peer avg: 0.44%

ROE

-76.92%

Risk-Based Capital

13.32%

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-5.54%Peer avg: 0.44%▼ Below avg

Risk-Based Capital13.32%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1993	Satisfactory	Not Reported
Jun 1991	Satisfactory	Not Reported
May 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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