This institution is no longer active

Operations ceased on December 13, 1991. CRA examination history below reflects the period it was active.

FIRST STATE BANK

CYPRESS, TX · Supervised by FDIC

Est. 1981FDIC #23,478RSSD: FDIC-23478

Part ofCOMMERCIAL BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: March 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

26310 Hempstead Highway, CYPRESS, TX

County

Harris County

Established

July 1, 1981

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

March 30, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 Q3 1991Call Report / FDIC

Total Assets

$27M

Total Deposits

$25M

Net Loans

$10M

Net Income

$169K

ROA

0.87%

ROE

14.25%

Risk-Based Capital

13.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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