WAXAHACHIE, TX · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.1B
Total Deposits
$1.8B
Net Loans
$1.9B
Net Income
$11M
ROA
2.16%
Above avg for Community banks. Peer avg: 0.90%
ROE
17.70%
Risk-Based Capital
14.62%
Above 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 | 158 | 65.19% | 16.46% |
| 2023 | 174 | 59.77% | 20.69% |
| 2022 | 271 | 65.68% | 15.13% |
| 2021 | 347 | 73.2% | 10.37% |
| 2020 | 625 | 70.08% | 8.16% |
| 2019 | 461 | 68.33% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2024 | Satisfactory | Large Bank |
| Mar 2021 | Satisfactory | Intermediate Small Bank |
| Feb 2018 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1993
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Total Branches
12
Branch Deposits
$1.7B
1-Year Change
0
5-year net change: -2 branches
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Preview:
| 2018 | 452 | 71.46% | 9.96% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red