🏦Bank Scorer

This institution is no longer active

Operations ceased on August 31, 2018. CRA examination history below reflects the period it was active.

ELSA STATE BANK AND TRUST COMPANY

ELSA, TX · Supervised by FDIC

Est. 1945FDIC #16,239RSSD: FDIC-16239
Satisfactory Same

Current rating · Exam: January 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.37%

Institution Profile

FDIC BankFind

Address

300 West Edinburg Avenue, ELSA, TX

County

Hidalgo County

Established

March 12, 1945

Total Assets

$193M(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

January 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q2 2018Call Report / FDIC

Total Assets

$193M

Total Deposits

$172M

Net Loans

$134M

Net Income

$1M

ROA

1.37%

ROE

13.54%

Risk-Based Capital

17.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate25.36%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201813843.48%25.36%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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