HUGOTON BANCSHARES INC is the bank holding company. THE CITIZENS STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
HUGOTON BANCSHARES INC
Legal name: HUGOTON BANCSHARES, INC.
1 active bank · $143M combined assets
RSSD ID: 1059573 (FFIEC NIC)
Combined Assets
$143M
CRA Rating Summary
Satisfactory1charter
Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$143M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$124M
Net Income
$325K
ROA (avg)
0.92%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| THE CITIZENS STATE BANK | HUGOTON, KS | FDIC | $143M | 83.0% | Satisfactory | Nov 2025 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.