🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 1998. CRA examination history below reflects the period it was active.

UNION STATE BANK

EAST BERNARD, TX · Supervised by FDIC

Est. 1907FDIC #10,713RSSD: FDIC-10713
Satisfactory Same

Current rating · Exam: February 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

700 Church Street, EAST BERNARD, TX

County

Wharton County

Established

January 19, 1907

Total Assets

$79M(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

February 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 Q3 1998Call Report / FDIC

Total Assets

$79M

Total Deposits

$66M

Net Loans

$21M

Net Income

$603K

ROA

1.02%

ROE

6.35%

Risk-Based Capital

43.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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