This institution is no longer active

Operations ceased on August 25, 1995. CRA examination history below reflects the period it was active.

FIRSTBANK SOUTHWEST

AMARILLO, TX · Supervised by FDIC

Est. 1955FDIC #17,473RSSD: FDIC-17473

Part ofFIRSTPERRYTON BCORP INC→ View all charters

Needs to Improve Down

Current rating · Exam: November 1994

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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 0.39%

Is this bank safe?

FIRSTBANK SOUTHWEST received a Needs to Improve CRA rating (1994), meets basic financial requirements (ROA +0.39%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

2201 Civic Circle, AMARILLO, TX

County

Potter County

Established

August 1, 1955

Total Assets

$115M(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

November 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1995Call Report / FDIC

Total Assets

$115M

Total Deposits

$102M

Net Loans

$49M

Net Income

$230K

ROA

0.39%

Below avg for Small banks. Peer avg: 0.44%

ROE

4.45%

Risk-Based Capital

14.94%

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).

ROA0.39%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.94%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.51%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	428	77.1%	10.51%
2020	645	75.35%	13.18%
2019	471	83.44%	8.07%
2018	419	82.34%	9.55%

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 1994	Needs to Improve	Not Reported
Jun 1992	Satisfactory	Not Reported
Jun 1990	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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