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This institution is no longer active

Operations ceased on December 7, 2013. CRA examination history below reflects the period it was active.

FIRST STATE BANK

OVERTON, TX · Supervised by FDIC

Est. 1912FDIC #9,014RSSD: FDIC-9014
Part ofOVERTON FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.56%

Institution Profile

FDIC BankFind

Address

115 East Henderson, OVERTON, TX

County

Rusk County

Established

January 1, 1912

Total Assets

$42M(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, 2010

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 2013Call Report / FDIC

Total Assets

$42M

Total Deposits

$34M

Net Loans

$12M

Net Income

$183K

ROA

0.56%

ROE

2.99%

Risk-Based Capital

52.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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