🏦Bank Scorer

This institution is no longer active

Operations ceased on October 26, 2001. CRA examination history below reflects the period it was active.

PEOPLES STATE BANK

HENDERSON, TX · Supervised by FDIC

Est. 1981FDIC #23,420RSSD: FDIC-23420
Part ofHENDERSON CITIZENS BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: June 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.16%

Institution Profile

FDIC BankFind

Address

2320 Highway 79 South, HENDERSON, TX

County

Rusk County

Established

May 26, 1981

Total Assets

$60M(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, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 2001Call Report / FDIC

Total Assets

$60M

Total Deposits

$49M

Net Loans

$29M

Net Income

$487K

ROA

1.16%

ROE

8.30%

Risk-Based Capital

17.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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