This institution is no longer active

Operations ceased on June 19, 1997. CRA examination history below reflects the period it was active.

FIRST FARMERS AND MERCHANTS BANK

KAUFMAN, TX · Supervised by FDIC

Est. 1948FDIC #16,722RSSD: FDIC-16722

Part ofTEXAS FINANCIAL BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: March 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.62%

Is this bank safe?

FIRST FARMERS AND MERCHANTS BANK holds a Satisfactory CRA rating (1997), is financially strong (ROA +1.62%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

100 North Washington Street, KAUFMAN, TX

County

Kaufman County

Established

August 21, 1948

Total Assets

$102M(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

March 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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

$102M

Total Deposits

$92M

Net Loans

$50M

Net Income

$413K

ROA

1.62%

Above avg for Small banks. Peer avg: 0.44%

ROE

18.97%

Risk-Based Capital

15.15%

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).

ROA1.62%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.15%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate20.71%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	396	67.17%	20.71%
2023	509	73.87%	16.90%
2022	750	75.2%	11.73%
2021	325	70.46%	12.00%
2020	419	64.92%	15.04%
2019	470	71.28%	8.51%
2018	438	62.1%	13.70%

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
Mar 1997	Satisfactory	Small Bank
Feb 1995	Satisfactory	Not Reported
May 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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