This institution is no longer active

Operations ceased on November 4, 2011. CRA examination history below reflects the period it was active.

MAIN STREET BANK

KINGWOOD, TX · Supervised by FDIC

Est. 1984FDIC #24,979RSSD: FDIC-24979

Part ofMS FINANCIAL INC→ View all charters

Needs to Improve

Current rating · Exam: November 2010

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.17%

Institution Profile

FDIC BankFind

Address

23970 Hwy. 59 North, KINGWOOD, TX

County

Montgomery County

Established

January 16, 1984

Total Assets

$240M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

November 1, 2010

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 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 2011Call Report / FDIC

Total Assets

$240M

Total Deposits

$192M

Net Loans

$14M

Net Income

$361K

ROA

0.17%

ROE

1.02%

Risk-Based Capital

205.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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