This institution is no longer active

Operations ceased on October 21, 2020. CRA examination history below reflects the period it was active.

TEXAS HILL COUNTRY BANK

BANDERA, TX · Supervised by FDIC

Est. 2009FDIC #58,932RSSD: FDIC-58932

Part ofTEXAS HILL COUNTRY BANCSHARES→ View all charters

Satisfactory Same

Current rating · Exam: May 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

800 Main Street, BANDERA, TX

County

Bandera County

Established

April 1, 2009

Total Assets

$199M(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

May 1, 2015

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 11 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 2020Call Report / FDIC

Total Assets

$199M

Total Deposits

$181M

Net Loans

$179M

Net Income

$2M

ROA

1.09%

ROE

12.40%

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 Rate15.19%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	79	55.7%	15.19%
2018	77	64.94%	16.88%

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 2 exams

1 previous rating locked — dating back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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