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This institution is no longer active

Operations ceased on August 13, 1999. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

GROVES, TX · Supervised by FDIC

Est. 1974FDIC #21,477RSSD: FDIC-21477
Part ofFIRST OF GROVES CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

4000 Twin City Highway, GROVES, TX

County

Jefferson County

Established

March 18, 1974

Total Assets

$493M(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

July 1, 1998

Exam Type

Large 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)

Financial Snapshot

As of Q2 1999Call Report / FDIC

Total Assets

$493M

Total Deposits

$447M

Net Loans

$238M

Net Income

$2M

ROA

0.94%

ROE

11.35%

Risk-Based Capital

14.10%

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 Rate3.34%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202229989.63%3.34%
202156987.87%3.51%
202038382.51%2.87%
201926381.75%3.42%
201813869.57%9.42%

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

3 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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