🏦Bank Scorer

CASTROVILLE STATE BANK

CASTROVILLE, TX · Supervised by FDIC

Est. 1959FDIC #17,979RSSD: FDIC-17979
Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.26%

Is this bank safe?

CASTROVILLE STATE BANK holds a Satisfactory CRA rating (2024), is financially strong (ROA +1.26%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

502 Paris St, CASTROVILLE, TX

County

Medina County

Established

April 2, 1959

Total Assets

$291M(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, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$291M

Total Deposits

$263M

Net Loans

$179M

Net Income

$940K

ROA

1.26%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.08%

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).

ROA1.26%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate14.67%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$226M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247564%14.67%
202312555.2%20.80%
20198873.86%11.36%
20188085%11.25%

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 2024SatisfactorySmall Bank
Dec 2018SatisfactorySmall Bank
Feb 2013SatisfactorySmall Bank

6 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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