This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

INDUSTRY STATE BANK

INDUSTRY, TX · Supervised by FDIC

Est. 1911FDIC #12,506RSSD: FDIC-12506

Part ofINDUSTRY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: July 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.65%

Institution Profile

FDIC BankFind

Address

16886 Fordtran Blvd, INDUSTRY, TX

County

Austin County

Established

June 1, 1911

Total Assets

$641M(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

July 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jul 2026(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$641M

Total Deposits

$632M

Net Loans

$180M

Net Income

$-5,846K

ROA

-1.65%

Below avg for Small banks. Peer avg: 0.44%

ROE

-433.30%

Risk-Based Capital

0.00%

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).

ROA-1.65%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate23.53%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$632M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	34	70.59%	23.53%
2023	27	66.67%	7.41%
2019	66	78.79%	9.09%
2018	59	64.41%	18.64%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2022	Satisfactory	Intermediate Small Bank
May 2019	Satisfactory	Intermediate Small Bank
Aug 2016	Satisfactory	Intermediate Small Bank

7 previous ratings 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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