🏦Bank Scorer

This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

INDUSTRY STATE BANK

INDUSTRY, TX · Supervised by FDIC

Est. 1911FDIC #12,506RSSD: FDIC-12506
Part ofINDUSTRY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.65%

Institution Profile

FDIC BankFind

Address

16886 Fordtran Blvd, INDUSTRY, TX

County

Austin County

Established

June 1, 1911

Total Assets

$641M(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

July 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2026(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$641M

Total Deposits

$632M

Net Loans

$180M

Net Income

$-5,846K

ROA

-1.65%

ROE

-433.30%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate23.53%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$632M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243470.59%23.53%
20232766.67%7.41%
20196678.79%9.09%
20185964.41%18.64%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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