This institution is no longer active

Operations ceased on June 13, 1997. CRA examination history below reflects the period it was active.

COMFORT STATE BANK

COMFORT, TX · Supervised by FDIC

Est. 1907FDIC #17,854RSSD: FDIC-17854

Part ofNORWEST CORP→ View all charters

Outstanding Same

Current rating · Exam: June 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.11%

Institution Profile

FDIC BankFind

Address

521 Seventh Street, COMFORT, TX

County

Kendall County

Established

May 1, 1907

Total Assets

$48M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q1 1997Call Report / FDIC

Total Assets

$48M

Total Deposits

$42M

Net Loans

$16M

Net Income

$14K

ROA

0.11%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.93%

Risk-Based Capital

22.63%

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).

ROA0.11%Peer avg: 0.44%▼ Below avg

Risk-Based Capital22.63%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 1994	Outstanding	Not Reported
Jun 1992	Outstanding	Not Reported
May 1990	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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