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This institution is no longer active

Operations ceased on April 1, 2013. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK

AVINGER, TX · Supervised by FDIC

Est. 1909FDIC #12,314RSSD: FDIC-12314
Part ofEAST TEXAS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.36%

Institution Profile

FDIC BankFind

Address

Highways 155 And 49, AVINGER, TX

County

Cass County

Established

January 1, 1909

Total Assets

$20M(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

June 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 2013Call Report / FDIC

Total Assets

$20M

Total Deposits

$16M

Net Loans

$10M

Net Income

$69K

ROA

1.36%

ROE

16.45%

Risk-Based Capital

17.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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