This institution is no longer active

Operations ceased on November 5, 2005. CRA examination history below reflects the period it was active.

BALCONES BANK, S.S.B.

SAN MARCOS, TX · Supervised by FDIC

Est. 1978FDIC #32,004RSSD: FDIC-32004

Outstanding Up

Current rating · Exam: October 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

301 North C M Allen Parkway, SAN MARCOS, TX

County

Hays County

Established

January 1, 1978

Total Assets

$103M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 Q3 2005Call Report / FDIC

Total Assets

$103M

Total Deposits

$66M

Net Loans

$56M

Net Income

$542K

ROA

0.66%

ROE

8.36%

Risk-Based Capital

17.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1996

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/c83303fc-b5d1-4322-a2be-36af9b246683"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: