The Federal Deposit Insurance Corp.'s February list of Community Reinvestment Act evaluation results showed four banks in need of improvement.
Ratings were actually assigned in November 2017.
Of the four, Hamilton, N.D.-based Bank of Hamilton and Timber Lake, S.D.-based Western Dakota Bank have been marked "needs to improve" a number of times. That rating has been reported for Bank of Hamilton, a Wall Street Holding Co. subsidiary, since November 2008. It has been reported since April 2013 for Western Dakota Bank.
Pearland State Bank of Texas, a Coastal Bancshares Inc. subsidiary, is no stranger to the "needs to improve" rating, either. It was marked the same in January 2016.
CRA compliance by Mooresville, Ind.-based Citizens Bank, however, was reported as "satisfactory" as recently as March 2015. Citizens is a CITBA Financial Corp. subsidiary.
