HUGHES 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 81.8% 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
$322M
Total Deposits
$287M
Net Loans
$206M
Net Income
$2M
ROA
2.37%
Above avg for Small banks. Peer avg: 0.44%
ROE
22.84%
Risk-Based Capital
17.84%
Below 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 | 165 | 80% | 4.24% |
| 2023 | 146 | 84.25% | 4.11% |
| 2022 | 164 | 82.32% | 3.66% |
| 2021 | 142 | 82.39% | 5.63% |
| 2020 | 150 | 68.67% | 10.00% |
| 2019 | 152 | 80.26% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Satisfactory | Small Bank |
| May 2021 | Satisfactory | Small Bank |
| May 2018 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1994
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Total Branches
17
Branch Deposits
$285M
1-Year Change
+1
5-year net change: +1 branches
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Preview:
| 2018 | 179 | 78.21% | 10.06% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red