This institution is no longer active

Operations ceased on November 1, 2003. CRA examination history below reflects the period it was active.

HOUSTON COMMERCIAL BANK

HOUSTON, TX · Supervised by FDIC

Est. 2001FDIC #57,121RSSD: FDIC-57121

Satisfactory

Current rating · Exam: December 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.10%

Institution Profile

FDIC BankFind

Address

7125 Gulf Freeway, HOUSTON, TX

County

Harris County

Established

March 22, 2001

Total Assets

$38M(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

December 1, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 2003Call Report / FDIC

Total Assets

$38M

Total Deposits

$33M

Net Loans

$31M

Net Income

$292K

ROA

1.10%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.32%

Risk-Based Capital

17.34%

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).

ROA1.10%Peer avg: 0.44%▲ Above avg

Risk-Based Capital17.34%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

This is the only examination on record for this bank.

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