This institution is no longer active

Operations ceased on April 1, 1994. CRA examination history below reflects the period it was active.

UNITED BANK & TRUST

DALLAS, TX · Supervised by FDIC

Est. 1992FDIC #33,591RSSD: FDIC-33591

Satisfactory

Current rating · Exam: September 1992

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

1525 Elm Street, DALLAS, TX

County

Dallas County

Established

May 1, 1992

Total Assets

$56M(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

September 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1994Call Report / FDIC

Total Assets

$56M

Total Deposits

$45M

Net Loans

$28M

Net Income

$45K

ROA

0.32%

ROE

3.71%

Risk-Based Capital

15.99%

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 Rate4.96%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	121	85.12%	4.96%
2023	125	86.4%	5.60%
2022	150	82.67%	6.00%
2021	213	82.63%	7.04%
2020	199	80.4%	8.04%
2019	158	76.58%	10.76%
2018	156	80.13%	9.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/2dac96b6-1aba-4b75-be1b-6464f3735fde"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: