🏦Bank Scorer

This institution is no longer active

Operations ceased on November 20, 1997. CRA examination history below reflects the period it was active.

TEXAS BANK

BAYTOWN, TX · Supervised by FDIC

Est. 1971FDIC #20,359RSSD: FDIC-20359
Satisfactory Down

Current rating · Exam: June 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Address

6810 Garth Road, BAYTOWN, TX

County

Harris County

Established

February 8, 1971

Total Assets

$39M(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, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1997Call Report / FDIC

Total Assets

$39M

Total Deposits

$35M

Net Loans

$19M

Net Income

$174K

ROA

0.55%

ROE

6.31%

Risk-Based Capital

17.00%

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 Rate20.11%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417953.07%20.11%
202322359.19%18.83%
202229362.8%16.04%
202130253.97%16.56%
202026358.94%17.11%
201921454.67%21.03%
201820957.89%21.05%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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