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This institution is no longer active

Operations ceased on July 15, 2005. CRA examination history below reflects the period it was active.

ELGIN BANK OF TEXAS

ELGIN, TX · Supervised by FDIC

Est. 1891FDIC #3,185RSSD: FDIC-3185
Satisfactory Same

Current rating · Exam: November 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.53%

Institution Profile

FDIC BankFind

Address

31 North Main Street, ELGIN, TX

County

Bastrop County

Established

January 1, 1891

Total Assets

$85M(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

November 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2005Call Report / FDIC

Total Assets

$85M

Total Deposits

$75M

Net Loans

$44M

Net Income

$-222K

ROA

-0.53%

ROE

-4.41%

Risk-Based Capital

22.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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