🏦Bank Scorer

THE FIRST NATIONAL BANK OF TOM BEAN

TOM BEAN, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1906FDIC #5,557
Satisfactory Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

109 S Britton St, TOM BEAN, TX

County

Grayson County

Established

September 22, 1906

Total Assets

$147M(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

January 24, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$147M

Total Deposits

$128M

Net Loans

$118M

Net Income

$341K

ROA

0.92%

ROE

7.48%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.45%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$126M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245886.21%3.45%
20236088.33%1.67%
202211687.07%0.86%
202119181.68%3.66%
202025485.43%3.54%
201914579.31%8.97%
201811682.76%11.21%

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 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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