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This institution is no longer active

Operations ceased on April 1, 1999. CRA examination history below reflects the period it was active.

HIGHLANDS BANK

HIGHLANDS, TX · Supervised by FDIC

Est. 1956FDIC #17,656RSSD: FDIC-17656
Part ofHB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.82%

Institution Profile

FDIC BankFind

Address

420 South Main Street, HIGHLANDS, TX

County

Harris County

Established

September 24, 1956

Total Assets

$74M(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

December 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 Q1 1999Call Report / FDIC

Total Assets

$74M

Total Deposits

$69M

Net Loans

$51M

Net Income

$-153K

ROA

-0.82%

ROE

-11.21%

Risk-Based Capital

10.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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