This institution is no longer active

Operations ceased on February 26, 1993. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

SPRINGTOWN, TX · Supervised by FDIC

Est. 1979FDIC #22,885RSSD: FDIC-22885

Satisfactory Up

Current rating · Exam: November 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

Highway 51 And Townsquare, SPRINGTOWN, TX

County

Parker County

Established

June 25, 1979

Total Assets

$21M(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 30, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 1992Call Report / FDIC

Total Assets

$21M

Total Deposits

$20M

Net Loans

$10M

Net Income

$308K

ROA

1.42%

ROE

22.36%

Risk-Based Capital

13.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating 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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