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This institution is no longer active

Operations ceased on March 13, 2004. CRA examination history below reflects the period it was active.

COMMUNITY BANK & TRUST, S.S.B.

BEAUMONT, TX · Supervised by FDIC

Est. 1935FDIC #15,325RSSD: FDIC-15325
Satisfactory Same

Current rating · Exam: March 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.26%

Institution Profile

FDIC BankFind

Address

700 Calder Avenue, BEAUMONT, TX

County

Jefferson County

Established

February 13, 1935

Total Assets

$1.2B(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

March 1, 2002

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 24 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 Q4 2003Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$682M

Net Income

$13M

ROA

1.26%

ROE

12.23%

Risk-Based Capital

10.31%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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