PORT LAVACA, TX · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$360M
Total Deposits
$292M
Net Loans
$204M
Net Income
$948K
ROA
1.02%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.10%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 78 | 56.41% | 15.38% |
| 2023 | 113 | 61.06% | 22.12% |
| 2022 | 194 | 68.04% | 12.37% |
| 2021 | 213 | 68.08% | 15.49% |
| 2020 | 215 | 71.16% | 12.09% |
| 2019 | 152 | 74.34% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2025 | Satisfactory | Small Bank |
| Aug 2022 | Satisfactory | Small Bank |
| Jul 2019 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1996
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Total Branches
4
Branch Deposits
$300M
1-Year Change
0
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Preview:
| 10.53% |
| 2018 | 146 | 80.14% | 6.16% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red