This institution is no longer active

Operations ceased on May 1, 2023. CRA examination history below reflects the period it was active.

FIRSTCAPITAL BANK OF TEXAS, NATIONAL ASSOCIATION

MIDLAND, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1998FDIC #35,028

Satisfactory Same

Current rating · Exam: April 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

FIRSTCAPITAL BANK OF TEXAS, NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2022).

Institution Profile

FDIC BankFind

Address

310 W Wall St, MIDLAND, TX

County

Midland County

Established

November 17, 1998

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

Satisfactory

Meets federal requirements for community lending

Exam Date

April 18, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	435	86.9%	4.83%
2021	480	85%	3.75%
2020	453	83.66%	4.42%
2019	581	87.26%	4.48%
2018	571	86.16%	5.43%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 2022	Satisfactory	Intermediate Small Bank
Feb 2019	Satisfactory	Intermediate Small Bank
Mar 2015	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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