🏦Bank Scorer

This institution is no longer active

Operations ceased on April 9, 2020. CRA examination history below reflects the period it was active.

FIRST STATE BANK

CHICO, TX · Supervised by FDIC

Est. 1958FDIC #17,856RSSD: FDIC-17856
Part ofCHICO BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Institution Profile

FDIC BankFind

Address

201 South Weatherford Street, CHICO, TX

County

Wise County

Established

April 18, 1958

Total Assets

$192M(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

January 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2020Call Report / FDIC

Total Assets

$192M

Total Deposits

$159M

Net Loans

$93M

Net Income

$360K

ROA

0.76%

ROE

6.57%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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