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This institution is no longer active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 LONE STAR STATE BANK

LONE STAR, TX · Supervised by FDIC

Est. 1964FDIC #19,090RSSD: FDIC-19090
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 1.76%

Institution Profile

FDIC BankFind

Address

300 North Main Street, LONE STAR, TX

County

Morris County

Established

April 11, 1964

Total Assets

$39M(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

$39M

Total Deposits

$33M

Net Loans

$23M

Net Income

$178K

ROA

1.76%

ROE

22.07%

Risk-Based Capital

16.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate28.00%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202212560%28.00%
202113366.92%23.31%
202014355.94%29.37%
201910036%51.00%
20189451.06%35.11%

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

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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