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This institution is no longer active

Operations ceased on July 23, 1998. CRA examination history below reflects the period it was active.

FIRST STATE BANK

WASKOM, TX · Supervised by FDIC

Est. 1954FDIC #18,611RSSD: FDIC-18611
Part ofHENDERSON CITIZENS BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: May 1998

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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

Spur 156 And Magnolia Road, WASKOM, TX

County

Harrison County

Established

December 4, 1954

Total Assets

$27M(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

May 1, 1998

Exam Type

Small Bank

Regulator

FDIC
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 Q2 1998Call Report / FDIC

Total Assets

$27M

Total Deposits

$23M

Net Loans

$9M

Net Income

$92K

ROA

0.69%

ROE

5.02%

Risk-Based Capital

24.84%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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