🏦Bank Scorer

FIRST NATIONAL BANK

ROTAN, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1997FDIC #34,455
Satisfactory Down

Current rating · Exam: September 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

118 N Garfield Ave, ROTAN, TX

County

Fisher County

Established

April 1, 1997

Total Assets

$98M(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

September 24, 1997

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 28 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 Q1 2026Call Report / FDIC

Total Assets

$98M

Total Deposits

$92M

Net Loans

$37M

Net Income

$165K

ROA

0.69%

ROE

11.77%

Risk-Based Capital

21.30%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$82M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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