This institution is no longer active

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

FIRST BANK AND TRUST

GROVES, TX · Supervised by FDIC

Est. 1974FDIC #21,477RSSD: FDIC-21477

Part ofFIRST OF GROVES CORP→ View all charters

Satisfactory Same

Current rating · Exam: July 1998

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Is this bank safe?

FIRST BANK AND TRUST holds a Satisfactory CRA rating (1998), meets basic financial requirements (ROA +0.94%).

Institution Profile

FDIC BankFind

Address

4000 Twin City Highway, GROVES, TX

County

Jefferson County

Established

March 18, 1974

Total Assets

$493M(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

July 1, 1998

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q2 1999Call Report / FDIC

Total Assets

$493M

Total Deposits

$447M

Net Loans

$238M

Net Income

$2M

ROA

0.94%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.35%

Risk-Based Capital

14.10%

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).

ROA0.94%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.10%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.87%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	383	82.51%	2.87%
2019	263	81.75%	3.42%
2018	138	69.57%	9.42%

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 Date	Rating	Exam Type
Jul 1998	Satisfactory	Large Bank
May 1995	Satisfactory	Not Reported
Oct 1992	Satisfactory	Not Reported

1 previous rating 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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