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This institution is no longer active

Operations ceased on December 6, 2005. CRA examination history below reflects the period it was active.

FIRST STATE BANK

TEXARKANA, TX · Supervised by FDIC

Est. 1901FDIC #3,272RSSD: FDIC-3272
Part ofINDEPENDENT BK GROUP CNTL TX→ View all charters
Satisfactory Same

Current rating · Exam: April 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.63%

Institution Profile

FDIC BankFind

Address

3702 Summerhill Road, TEXARKANA, TX

County

Bowie County

Established

January 1, 1901

Total Assets

$12M(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

April 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2005Call Report / FDIC

Total Assets

$12M

Total Deposits

$11M

Net Loans

$9M

Net Income

$-56K

ROA

-0.63%

ROE

-6.00%

Risk-Based Capital

16.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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