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This institution is no longer active

Operations ceased on January 15, 2018. CRA examination history below reflects the period it was active.

FIRST STATE BANK CENTRAL TEXAS

AUSTIN, TX · Supervised by FDIC

Est. 1909FDIC #11,151RSSD: FDIC-11151
Part ofCENTRAL COMMUNITY CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

6500 North Mo Pac Expressway, AUSTIN, TX

County

Travis County

Established

January 1, 1909

Total Assets

$1.4B(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

June 1, 2016

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 2017Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$709M

Net Income

$19M

ROA

1.34%

ROE

12.06%

Risk-Based Capital

13.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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