This institution is no longer active

Operations ceased on October 26, 1990. CRA examination history below reflects the period it was active.

FIRST TEXAS BANK

HOUSTON, TX · Supervised by FDIC

Est. 1989FDIC #27,452RSSD: FDIC-27452

Part ofCONRAD CO→ View all charters

Needs to Improve

Current rating · Exam: May 1990

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

755 Post Oak Boulevard, HOUSTON, TX

County

Harris County

Established

February 16, 1989

Total Assets

$13M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

May 9, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 1990Call Report / FDIC

Total Assets

$13M

Total Deposits

$11M

Net Loans

$6M

Net Income

$79K

ROA

0.80%

ROE

6.55%

Risk-Based Capital

19.80%

Regulatory minimum: 8%

Total Assets — Last 7 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate17.69%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	147	72.79%	17.69%
2023	124	64.52%	19.35%
2019	120	65.83%	19.17%
2018	131	58.78%	17.56%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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