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This institution is no longer active

Operations ceased on March 25, 2005. CRA examination history below reflects the period it was active.

FARMERS & MERCHANTS STATE BANK OF KRUM

KRUM, TX · Supervised by FDIC

Est. 1909FDIC #16,674RSSD: FDIC-16674
Part ofKRUM BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: May 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Address

146 W Mcart Street, KRUM, TX

County

Denton County

Established

January 1, 1909

Total Assets

$155M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 Q4 2004Call Report / FDIC

Total Assets

$155M

Total Deposits

$142M

Net Loans

$115M

Net Income

$3M

ROA

2.02%

ROE

25.74%

Risk-Based Capital

10.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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