This institution is no longer active

Operations ceased on January 1, 1992. CRA examination history below reflects the period it was active.

MERCHANTS STATE BANK

MOUNT ENTERPRISE, TX · Supervised by FDIC

Est. 1908FDIC #13,672RSSD: FDIC-13672

Part ofENTERPRISE BANCSHARES→ View all charters

Satisfactory

Current rating · Exam: June 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.63%

Institution Profile

FDIC BankFind

Address

First And Rusk Streets, MOUNT ENTERPRISE, TX

County

Rusk County

Established

January 1, 1908

Total Assets

$24M(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

June 1, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 1991Call Report / FDIC

Total Assets

$24M

Total Deposits

$22M

Net Loans

$4M

Net Income

$157K

ROA

0.63%

ROE

7.41%

Risk-Based Capital

29.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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