🏦Bank Scorer

FIRST STATE BANK OF BURNET

BURNET, TX · Supervised by FDIC

Est. 1908FDIC #11,557RSSD: FDIC-11557
Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.47%

Is this bank safe?

FIRST STATE BANK OF BURNET holds a Satisfactory CRA rating (2022), and is financially strong (ROA +1.47%).

Institution Profile

FDIC BankFind

Address

136 E Washington St, BURNET, TX

County

Burnet County

Established

October 24, 1908

Total Assets

$331M(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

September 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$331M

Total Deposits

$295M

Net Loans

$184M

Net Income

$1M

ROA

1.47%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.81%

Risk-Based Capital

0.00%

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).

ROA1.47%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate19.05%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$285M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20232171.43%19.05%
20194353.49%20.93%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Sep 2022SatisfactorySmall Bank
Sep 2019SatisfactorySmall Bank
Aug 2013SatisfactorySmall Bank

6 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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