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This institution is no longer active

Operations ceased on September 1, 2014. CRA examination history below reflects the period it was active.

UNITED CENTRAL BANK

GARLAND, TX · Supervised by FDIC

Est. 1984FDIC #25,330RSSD: FDIC-25330
Part ofCENTRAL BCORP INC→ View all charters
Satisfactory Up

Current rating · Exam: June 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.17%

Institution Profile

FDIC BankFind

Address

4555 West Walnut, GARLAND, TX

County

Dallas County

Established

August 20, 1984

Total Assets

$1.3B(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

June 1, 2013

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 Q2 2014Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$362M

Net Income

$-1,125K

ROA

-0.17%

ROE

-1.63%

Risk-Based Capital

33.14%

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 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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