At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.03%
How this bank compares in TX
Mortgage Denial Rate
Lower denial rate than 63.6% of TX banks
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$1.4B
Total Deposits
$1.1B
Net Loans
$997M
Net Income
$4M
ROA
1.03%
ROE
12.29%
Risk-Based Capital
14.20%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
4
Branch Deposits
$1.0B
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 49 | 81.63% | 6.12% |
| 2023 | 81 | 87.65% | 4.94% |
| 2022 | 147 | 93.88% | 2.04% |
| 2021 | 271 | 92.62% | 2.21% |
| 2020 | 389 | 93.06% | 1.54% |
| 2019 | 173 | 86.71% | 3.47% |
| 2018 | 181 | 87.29% | 1.66% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
4 previous ratings locked — dating back to 2010
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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