SULPHUR SPRINGS, 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 36.4% 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
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$1.4B
Total Deposits
$1.2B
Net Loans
$931M
Net Income
$8M
ROA
2.32%
Above avg for Community banks. Peer avg: 0.90%
ROE
23.97%
Risk-Based Capital
15.34%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 438 | 74.66% | 10.50% |
| 2023 | 503 | 81.71% | 7.55% |
| 2022 | 713 | 83.31% | 5.75% |
| 2021 | 889 | 81.44% | 6.52% |
| 2020 | 972 | 82.92% | 5.66% |
| 2019 | 681 | 82.09% | 8.66% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2024 | Satisfactory | Intermediate Small Bank |
| Apr 2021 | Satisfactory | Intermediate Small Bank |
| Mar 2018 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1994
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Total Branches
17
Branch Deposits
$1.2B
1-Year Change
0
5-year net change: +4 branches
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Preview:
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red