🏦Bank Scorer

This institution is no longer active

Operations ceased on July 15, 1993. CRA examination history below reflects the period it was active.

KYLE STATE BANK

KYLE, TX · Supervised by FDIC

Est. 1932FDIC #11,147RSSD: FDIC-11147
Needs to Improve Down

Current rating · Exam: January 1993

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.22%

Institution Profile

FDIC BankFind

Address

N.E. Lockhart And Front Street, KYLE, TX

County

Hays County

Established

March 18, 1932

Total Assets

$17M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

January 1, 1993

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 33 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 Q2 1993Call Report / FDIC

Total Assets

$17M

Total Deposits

$14M

Net Loans

$2M

Net Income

$19K

ROA

0.22%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.38%

Risk-Based Capital

60.69%

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).

ROA0.22%Peer avg: 0.44%▼ Below avg
Risk-Based Capital60.69%Peer avg: 23.03%▲ Above avg

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

Exam DateRatingExam Type
Jan 1993Needs to ImproveNot Reported
Mar 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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