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This institution is no longer active

Operations ceased on December 7, 2013. CRA examination history below reflects the period it was active.

LINDALE STATE BANK

LINDALE, TX · Supervised by FDIC

Est. 1945FDIC #16,278RSSD: FDIC-16278
Part ofOVERTON FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

101 South Main Street, LINDALE, TX

County

Smith County

Established

June 21, 1945

Total Assets

$116M(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

April 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 2013Call Report / FDIC

Total Assets

$116M

Total Deposits

$103M

Net Loans

$75M

Net Income

$755K

ROA

0.88%

ROE

8.22%

Risk-Based Capital

18.15%

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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