NACOGDOCHES, 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
$1.7B
Total Deposits
$1.5B
Net Loans
$1.1B
Net Income
$7M
ROA
1.64%
Above avg for Community banks. Peer avg: 0.90%
ROE
16.66%
Risk-Based Capital
16.61%
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 | 541 | 76.16% | 9.24% |
| 2023 | 602 | 76.08% | 11.96% |
| 2022 | 877 | 79.36% | 9.46% |
| 2021 | 1,486 | 66.62% | 15.95% |
| 2020 | 1,635 | 72.66% | 14.62% |
| 2019 | 896 | 73.1% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Satisfactory | Intermediate Small Bank |
| May 2022 | Satisfactory | Intermediate Small Bank |
| Jun 2019 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1994
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Total Branches
23
Branch Deposits
$1.4B
1-Year Change
0
5-year net change: +2 branches
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Preview:
| 15.74% |
| 2018 | 764 | 65.31% | 20.42% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red