SWEETWATER, TX · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
How this bank compares
Mortgage Denial Rate (TX)
Lower denial rate than 54.5% of TX banks
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$141M
Total Deposits
$131M
Net Loans
$37M
Net Income
$122K
ROA
0.35%
Below avg for Small banks. Peer avg: 0.44%
ROE
4.88%
Risk-Based Capital
29.52%
Above avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 196 | 70.41% | 8.16% |
| 2023 | 175 | 63.43% | 5.14% |
| 2022 | 231 | 61.04% | 6.06% |
| 2021 | 245 | 54.69% | 8.98% |
| 2020 | 186 | 38.17% | 13.44% |
| 2019 | 78 | 78.21% |
Last 12 Months
1
Since 2018
2
all complaints on record
Monetary Relief
0%
% of complaints where company provided monetary relief
Untimely Response
50%
% exceeding CFPB's 15-day response window
Complaints by Product Type
Monthly Complaints (2021–present)
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Outstanding | Small Bank |
| Jan 2021 | Outstanding | Small Bank |
| Feb 2017 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1994
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Total Branches
2
Branch Deposits
$130M
1-Year Change
0
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Preview:
| 2018 | 67 | 58.21% | 20.90% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Month | Complaints | With Monetary Relief |
|---|---|---|
| August 2025 | 1 | 0 |
Data through Aug 2025.Last 12 months shown — unlock full history.
Full 2021–present history available — unlock this bank for $9 one-time.