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This institution is no longer active

Operations ceased on January 27, 1997. CRA examination history below reflects the period it was active.

WESTERN NATIONAL BANK

LUBBOCK, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1986FDIC #26,811
Satisfactory Same

Current rating · Exam: February 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

8200-A Nashville, LUBBOCK, TX

County

Lubbock County

Established

October 15, 1986

Total Assets

$60M(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 25, 2003

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 23 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)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243396.97%3.03%
20236889.71%8.82%
20224276.19%7.14%
20215993.22%0.00%
202010598.1%0.00%
20196873.53%5.88%
20186282.26%3.23%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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