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This institution is no longer active

Operations ceased on February 15, 2013. CRA examination history below reflects the period it was active.

WHITE OAK STATE BANK

WHITE OAK, TX · Supervised by FDIC

Est. 1972FDIC #20,707RSSD: FDIC-20707
Part ofHENDERSON CITIZENS BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: February 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.11%

Institution Profile

FDIC BankFind

Address

1101 South White Oak Road, WHITE OAK, TX

County

Gregg County

Established

June 5, 1972

Total Assets

$97M(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 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 Q4 2012Call Report / FDIC

Total Assets

$97M

Total Deposits

$78M

Net Loans

$58M

Net Income

$101K

ROA

0.11%

ROE

1.46%

Risk-Based Capital

10.71%

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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