JACKSONVILLE, TX · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
How this bank compares
Mortgage Denial Rate (TX)
Lower denial rate than 9.1% of TX banks
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$3.3B
Total Deposits
$2.7B
Net Loans
$2.5B
Net Income
$17M
ROA
2.04%
Above avg for Community banks. Peer avg: 0.90%
ROE
13.64%
Risk-Based Capital
0.00%
Below avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 977 | 65.3% | 17.81% |
| 2023 | 1,179 | 66.92% | 17.64% |
| 2022 | 1,331 | 70.1% | 14.95% |
| 2021 | 1,559 | 65.36% | 20.21% |
| 2020 | 1,432 | 65.01% | 21.23% |
| 2019 | 1,040 | 68.17% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2023 | Outstanding | Large Bank |
| May 2020 | Satisfactory | Large Bank |
| May 2017 | Satisfactory | Large Bank |
8 previous ratings locked — back to 1993
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Total Branches
38
Branch Deposits
$2.7B
1-Year Change
+2
5-year net change: +4 branches
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Preview:
| 19.23% |
| 2018 | 1,006 | 68.09% | 20.58% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red