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This institution is no longer active

Operations ceased on September 27, 1996. CRA examination history below reflects the period it was active.

FIRST COMMUNITY BANK AND TRUST COMPANY OF LONE GROVE

LONE GROVE, OK · Supervised by FDIC

Est. 1978FDIC #22,716RSSD: FDIC-22716
Part ofFIRST COMMUNITY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -7.93%

Institution Profile

FDIC BankFind

Address

Highway 70 And Newport Road, LONE GROVE, OK

County

Carter County

Established

September 20, 1978

Total Assets

$44M(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, 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 Q2 1996Call Report / FDIC

Total Assets

$44M

Total Deposits

$40M

Net Loans

$27M

Net Income

$-1,744K

ROA

-7.93%

ROE

-85.41%

Risk-Based Capital

14.44%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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