This institution is no longer active

Operations ceased on April 29, 1994. CRA examination history below reflects the period it was active.

THE BANK OF THE WEST

AUSTIN, TX · Supervised by FDIC

Est. 1989FDIC #27,464RSSD: FDIC-27464

Part ofBANCWEST BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: April 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

608 Castle Ridge Road, AUSTIN, TX

County

Travis County

Established

March 9, 1989

Total Assets

$242M(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

April 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 Q1 1994Call Report / FDIC

Total Assets

$242M

Total Deposits

$217M

Net Loans

$38M

Net Income

$575K

ROA

0.95%

ROE

9.32%

Risk-Based Capital

43.24%

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 Rate34.55%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	1,068	49.72%	34.55%
2022	24,188	58.2%	29.90%
2021	28,898	56.6%	28.69%
2020	29,264	51.1%	30.66%
2019	29,000	53.25%	31.78%
2018	32,194	57.85%	30.25%

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 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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