🏦Bank Scorer

This institution is no longer active

Operations ceased on June 24, 1994. CRA examination history below reflects the period it was active.

CONTINENTAL STATE BANK

ALTO, TX · Supervised by FDIC

Est. 1903FDIC #8,440RSSD: FDIC-8440
Part ofNATIONAL MERGER INV CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

102 North Marcus Street, ALTO, TX

County

Cherokee County

Established

January 1, 1903

Total Assets

$21M(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

October 1, 1992

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 33 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 1994Call Report / FDIC

Total Assets

$21M

Total Deposits

$20M

Net Loans

$4M

Net Income

$60K

ROA

1.14%

ROE

13.90%

Risk-Based Capital

29.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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