🏦Bank Scorer

This institution is no longer active

Operations ceased on February 21, 2025. CRA examination history below reflects the period it was active.

PEARLAND STATE BANK

PEARLAND, TX · Supervised by FDIC

Est. 1960FDIC #18,132RSSD: FDIC-18132
Part ofCOASTAL BANCSHARES INC→ View all charters
Substantial Noncompliance Down

Current rating · Exam: October 2024

CompareWatch

At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

2301 N Main St, PEARLAND, TX

County

Brazoria County

Established

January 6, 1960

Total Assets

$189M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$189M

Total Deposits

$178M

Net Loans

$45M

Net Income

$1M

ROA

0.68%

ROE

12.30%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20192688.46%0.00%
20183892.11%5.26%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

11 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/5c6f6fb3-c11f-4f11-bb9c-e1a2248bcf2b"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: