This institution is no longer active

Operations ceased on December 11, 2000. CRA examination history below reflects the period it was active.

KERMIT STATE BANK

HOUSTON, TX · Supervised by FDIC

Est. 1944FDIC #16,150RSSD: FDIC-16150

Part ofWEST TEXAS BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 1999

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.90%

Institution Profile

FDIC BankFind

Address

10375 Richmond Avenue, Suite 1600, HOUSTON, TX

County

Harris County

Established

May 1, 1944

Total Assets

$58M(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

February 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 2000Call Report / FDIC

Total Assets

$58M

Total Deposits

$49M

Net Loans

$34M

Net Income

$1M

ROA

2.90%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.13%

Risk-Based Capital

23.66%

Above 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).

ROA2.90%Peer avg: 0.44%▲ Above avg

Risk-Based Capital23.66%Peer avg: 23.03%▲ Above avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 1999	Satisfactory	Small Bank
Mar 1996	Satisfactory	Not Reported
Mar 1995	Needs to Improve	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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