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This institution is no longer active

Operations ceased on March 23, 1993. CRA examination history below reflects the period it was active.

FIRST STATE BANK

WELLS, TX · Supervised by FDIC

Est. 1913FDIC #9,016RSSD: FDIC-9016
Part ofNEWELL BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.57%

Institution Profile

FDIC BankFind

Address

Main Street, WELLS, TX

County

Cherokee County

Established

January 1, 1913

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

August 29, 1992

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 33 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 Q4 1992Call Report / FDIC

Total Assets

$12M

Total Deposits

$10M

Net Loans

$2M

Net Income

$188K

ROA

1.57%

ROE

17.67%

Risk-Based Capital

40.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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