This institution is no longer active

Operations ceased on May 13, 1999. CRA examination history below reflects the period it was active.

ELECTRA STATE BANK AND TRUST COMPANY

ELECTRA, TX · Supervised by FDIC

Est. 1931FDIC #14,887RSSD: FDIC-14887

Part ofNORTH CNTL TX BANCSHARES INC→ View all charters

Outstanding Up

Current rating · Exam: March 1996

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.21%

Institution Profile

FDIC BankFind

Address

100 North Main Street, ELECTRA, TX

County

Wichita County

Established

December 11, 1931

Total Assets

$35M(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

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 1999Call Report / FDIC

Total Assets

$35M

Total Deposits

$31M

Net Loans

$14M

Net Income

$107K

ROA

1.21%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.06%

Risk-Based Capital

20.77%

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).

ROA1.21%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.77%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1996	Outstanding	Not Reported
May 1993	Satisfactory	Not Reported
Apr 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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