🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2022. CRA examination history below reflects the period it was active.

HAPPY STATE BANK

HAPPY, TX · Supervised by FDIC

Est. 1908FDIC #10,359RSSD: FDIC-10359
Part ofHAPPY BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

100 East Main Street, HAPPY, TX

County

Swisher County

Established

January 1, 1908

Total Assets

$6.7B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2022

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2022Call Report / FDIC

Total Assets

$6.7B

Total Deposits

$6.1B

Net Loans

$3.6B

Net Income

$19M

ROA

1.14%

ROE

12.50%

Risk-Based Capital

12.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate7.78%Peer avg: 9.91%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20212,18673.56%7.78%
20202,40070.46%7.71%
20191,59568.21%11.10%
20181,56768.35%10.85%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 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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