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This institution is no longer active

Operations ceased on May 26, 2007. CRA examination history below reflects the period it was active.

THE DELTA BANK

COOPER, TX · Supervised by FDIC

Est. 1900FDIC #3,150RSSD: FDIC-3150
Part ofCOOPER LAKE FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Address

91 West Side Square, COOPER, TX

County

Delta County

Established

August 11, 1900

Total Assets

$18M(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

November 1, 2002

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2007Call Report / FDIC

Total Assets

$18M

Total Deposits

$16M

Net Loans

$9M

Net Income

$44K

ROA

0.96%

ROE

7.20%

Risk-Based Capital

13.97%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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