🏦Bank Scorer

This institution is no longer active

Operations ceased on November 9, 2018. CRA examination history below reflects the period it was active.

UNION STATE BANK

FLORENCE, TX · Supervised by FDIC

Est. 1928FDIC #11,886RSSD: FDIC-11886
Part ofHENDERSON CITIZENS BANCSHARES→ View all charters
Satisfactory Down

Current rating · Exam: April 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Address

100 East Main, FLORENCE, TX

County

Williamson County

Established

February 28, 1928

Total Assets

$467M(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

April 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 2018Call Report / FDIC

Total Assets

$467M

Total Deposits

$408M

Net Loans

$248M

Net Income

$2M

ROA

0.55%

ROE

5.01%

Risk-Based Capital

13.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

9 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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