This institution is no longer active

Operations ceased on October 21, 1999. CRA examination history below reflects the period it was active.

HOUSTON COMMERCE BANK

HOUSTON, TX · Supervised by FDIC

Est. 1963FDIC #18,700RSSD: FDIC-18700

Part ofTD Bank, N.A.→ View all charters

Satisfactory Same

Current rating · Exam: March 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

13300 Almeda Road, HOUSTON, TX

County

Harris County

Established

February 15, 1963

Total Assets

$108M(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

March 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 1999Call Report / FDIC

Total Assets

$108M

Total Deposits

$93M

Net Loans

$85M

Net Income

$467K

ROA

0.57%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.32%

Risk-Based Capital

9.93%

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).

ROA0.57%Peer avg: 0.44%▲ Above avg

Risk-Based Capital9.93%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1999	Satisfactory	Small Bank
Jul 1995	Satisfactory	Not Reported
Nov 1992	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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