FIRST STATE BANK OF BEN WHEELER, TEXAS
BEN WHEELER, TX · Supervised by FDIC
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Strong
ROA 1.60%
Is this bank safe?
FIRST STATE BANK OF BEN WHEELER, TEXAS holds a Satisfactory CRA rating (2023), and is financially strong (ROA +1.60%).
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$187M
Total Deposits
$159M
Net Loans
$67M
Net Income
$743K
ROA
1.60%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.60%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
4
Branch Deposits
$154M
1-Year Change
0
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2023 | Satisfactory | Small Bank |
| Jul 2017 | Satisfactory | Small Bank |
| Jul 2011 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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