This institution is no longer active

Operations ceased on July 1, 1996. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF CANADIAN

CANADIAN, TX · Supervised by FDIC

Est. 1953FDIC #17,206RSSD: FDIC-17206

Part ofCANADIAN BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: November 1995

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -3.87%

Institution Profile

FDIC BankFind

Address

115 Main Street, CANADIAN, TX

County

Hemphill County

Established

April 18, 1953

Total Assets

$36M(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

November 1, 1995

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 Q2 1996Call Report / FDIC

Total Assets

$36M

Total Deposits

$31M

Net Loans

$21M

Net Income

$-718K

ROA

-3.87%

Below avg for Small banks. Peer avg: 0.44%

ROE

-28.91%

Risk-Based Capital

19.24%

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).

ROA-3.87%Peer avg: 0.44%▼ Below avg

Risk-Based Capital19.24%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 1995	Outstanding	Not Reported
Sep 1993	Outstanding	Not Reported
Sep 1991	Outstanding	Not Reported

1 previous rating 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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