🏦Bank Scorer

This institution is no longer active

Operations ceased on April 20, 2000. CRA examination history below reflects the period it was active.

AUSTIN COUNTY STATE BANK

BELLVILLE, TX · Supervised by FDIC

Est. 1909FDIC #11,556RSSD: FDIC-11556
Part ofTEXAS FINANCIAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.59%

Institution Profile

FDIC BankFind

Address

2 East Main Street, BELLVILLE, TX

County

Austin County

Established

October 2, 1909

Total Assets

$74M(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, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2000Call Report / FDIC

Total Assets

$74M

Total Deposits

$63M

Net Loans

$34M

Net Income

$111K

ROA

0.59%

ROE

4.44%

Risk-Based Capital

16.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.39%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245994.92%3.39%
20235896.55%1.72%
20195392.45%1.89%
20184095%5.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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