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This institution is no longer active

Operations ceased on January 2, 1997. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

GROVES, TX · Supervised by FDIC

Est. 1956FDIC #17,549RSSD: FDIC-17549
Part ofMAGNOLIA PARTNERSHIP INVESTMENTS→ View all charters
Satisfactory Down

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

4000 Twin City Highway, GROVES, TX

County

Jefferson County

Established

February 3, 1956

Total Assets

$331M(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, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1996Call Report / FDIC

Total Assets

$331M

Total Deposits

$297M

Net Loans

$182M

Net Income

$3M

ROA

1.00%

ROE

9.59%

Risk-Based Capital

16.13%

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 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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