This institution is no longer active

Operations ceased on October 26, 1990. CRA examination history below reflects the period it was active.

FIRST TEXAS BANK

HOUSTON, TX · Supervised by FDIC

Est. 1989FDIC #27,452RSSD: FDIC-27452

Part ofCONRAD CO→ View all charters

Needs to Improve

Current rating · Exam: May 1990

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.80%

Is this bank safe?

FIRST TEXAS BANK received a Needs to Improve CRA rating (1990), meets basic financial requirements (ROA +0.80%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

755 Post Oak Boulevard, HOUSTON, TX

County

Harris County

Established

February 16, 1989

Total Assets

$13M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

May 9, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 Q3 1990Call Report / FDIC

Total Assets

$13M

Total Deposits

$11M

Net Loans

$6M

Net Income

$79K

ROA

0.80%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.55%

Risk-Based Capital

19.80%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 7 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.80%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.80%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate17.69%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	147	72.79%	17.69%
2019	120	65.83%	19.17%
2018	131	58.78%	17.56%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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