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This institution is no longer active

Operations ceased on July 15, 1996. CRA examination history below reflects the period it was active.

FIRST TEXAS BANK

VIDOR, TX · Supervised by FDIC

Est. 1976FDIC #22,345RSSD: FDIC-22345
Part ofUNICORP BANCSHARES-TEXAS INC→ View all charters
Satisfactory Same

Current rating · Exam: February 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.15%

Institution Profile

FDIC BankFind

Address

1255 North Main Street, VIDOR, TX

County

Orange County

Established

October 5, 1976

Total Assets

$39M(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

February 1, 1996

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q2 1996Call Report / FDIC

Total Assets

$39M

Total Deposits

$33M

Net Loans

$20M

Net Income

$26K

ROA

0.15%

ROE

1.36%

Risk-Based Capital

14.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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