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This institution is no longer active

Operations ceased on February 9, 1999. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

CLEVELAND, TX · Supervised by FDIC

Est. 1926FDIC #2,407RSSD: FDIC-2407
Part ofFIRST BCORP OF CLEVELAND INC→ View all charters
Satisfactory Same

Current rating · Exam: March 1996

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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

200 East Crockett Street, CLEVELAND, TX

County

Liberty County

Established

January 1, 1926

Total Assets

$74M(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

March 1, 1996

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 1998Call Report / FDIC

Total Assets

$74M

Total Deposits

$64M

Net Loans

$29M

Net Income

$1M

ROA

1.42%

ROE

11.81%

Risk-Based Capital

26.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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