This institution is no longer active

Operations ceased on October 30, 1992. CRA examination history below reflects the period it was active.

FIRST CITY, TEXAS - SOUR LAKE

SOUR LAKE, TX · Supervised by FDIC

Est. 1909FDIC #11,914RSSD: FDIC-11914

Part ofFIRST CITY BCORP OF TEXAS INC→ View all charters

Outstanding Up

Current rating · Exam: September 1991

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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 0.70%

Institution Profile

FDIC BankFind

Address

211 South Highway 326, SOUR LAKE, TX

County

Hardin County

Established

February 15, 1909

Total Assets

$54M(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

September 23, 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 Q3 1992Call Report / FDIC

Total Assets

$54M

Total Deposits

$49M

Net Loans

$24M

Net Income

$319K

ROA

0.70%

ROE

9.82%

Risk-Based Capital

15.71%

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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