🏦Bank Scorer

TRUSTTEXAS BANK, SSB

CUERO, TX · Supervised by FDIC

Est. 1921FDIC #28,515RSSD: FDIC-28515
Part ofTRUSTTEXAS MUTUAL HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.22%

Institution Profile

FDIC BankFind

Address

121 E Courthouse St, CUERO, TX

County

Dewitt County

Established

January 1, 1921

Total Assets

$383M(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

October 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$383M

Total Deposits

$377M

Net Loans

$198M

Net Income

$208K

ROA

0.22%

ROE

24.44%

Risk-Based Capital

19.90%

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 Rate21.67%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$355M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246053.33%21.67%
20238253.66%29.27%
202214961.07%12.75%
202114074.29%7.14%
202018860.64%11.70%
201911969.75%7.56%
201816771.86%4.79%

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 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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