This institution is no longer active

Operations ceased on June 15, 2002. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF TEXAS

DENTON, TX · Supervised by FDIC

Est. 1912FDIC #10,348RSSD: FDIC-10348

Part ofNORWEST CORP→ View all charters

Outstanding Same

Current rating · Exam: September 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.22%

Institution Profile

FDIC BankFind

Address

101 South Locust Street, DENTON, TX

County

Denton County

Established

August 12, 1912

Total Assets

$2.1B(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

September 1, 1999

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 2002Call Report / FDIC

Total Assets

$2.1B

Total Deposits

$1.6B

Net Loans

$1.2B

Net Income

$7M

ROA

1.22%

Above avg for Community banks. Peer avg: 0.90%

ROE

8.95%

Risk-Based Capital

12.05%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.22%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.05%Peer avg: 12.91%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 1999	Outstanding	Large Bank
Oct 1996	Outstanding	Not Reported
Jun 1994	Outstanding	Not Reported

2 previous ratings 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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