🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2009. CRA examination history below reflects the period it was active.

INDEPENDENT BANK

WACO, TX · Supervised by FDIC

Est. 1911FDIC #17,711RSSD: FDIC-17711
Part ofINDEPENDENT BK GROUP CNTL TX→ View all charters
Satisfactory Same

Current rating · Exam: May 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

8004 Woodway Drive, WACO, TX

County

Mclennan County

Established

January 1, 1911

Total Assets

$228M(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

May 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 2008Call Report / FDIC

Total Assets

$228M

Total Deposits

$199M

Net Loans

$199M

Net Income

$2M

ROA

0.87%

ROE

9.72%

Risk-Based Capital

10.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/22af706d-e4b1-440d-960c-d7850c06dbef"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: