🏦Bank Scorer

BANK OF SOUTH TEXAS

MCALLEN, TX · Supervised by FDIC

Est. 1986FDIC #26,727RSSD: FDIC-26727
Satisfactory Same

Current rating · Exam: December 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Is this bank safe?

BANK OF SOUTH TEXAS holds a Satisfactory CRA rating (2021), meets basic financial requirements (ROA +0.86%).

Institution Profile

FDIC BankFind

Address

1421 E Nolana Ave, MCALLEN, TX

County

Hidalgo County

Established

July 8, 1986

Total Assets

$171M(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

December 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$171M

Total Deposits

$138M

Net Loans

$116M

Net Income

$362K

ROA

0.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.66%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.86%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate0.00%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$129M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20191788.24%0.00%
20182785.19%7.41%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Dec 2021SatisfactorySmall Bank
Dec 2015SatisfactorySmall Bank
Feb 2010SatisfactorySmall Bank

5 previous ratings locked — 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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