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This institution is no longer active

Operations ceased on May 30, 2014. CRA examination history below reflects the period it was active.

UNION STATE BANK

KERRVILLE, TX · Supervised by FDIC

Est. 1947FDIC #16,686RSSD: FDIC-16686
Part ofC BAR M INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.23%

Institution Profile

FDIC BankFind

Address

600 Main Street, KERRVILLE, TX

County

Kerr County

Established

October 11, 1947

Total Assets

$38M(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

May 1, 2010

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 2014Call Report / FDIC

Total Assets

$38M

Total Deposits

$35M

Net Loans

$15M

Net Income

$21K

ROA

0.23%

ROE

2.74%

Risk-Based Capital

17.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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