🏦Bank Scorer

This institution is no longer active

Operations ceased on November 15, 2014. CRA examination history below reflects the period it was active.

MEMPHIS STATE BANK

MEMPHIS, TX · Supervised by FDIC

Est. 1986FDIC #26,614RSSD: FDIC-26614
Part ofBAYLOR BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 1995

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.02%

Institution Profile

FDIC BankFind

Address

621 Noel Street, MEMPHIS, TX

County

Hall County

Established

March 27, 1986

Total Assets

$32M(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

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 31 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 2014Call Report / FDIC

Total Assets

$32M

Total Deposits

$27M

Net Loans

$6M

Net Income

$5K

ROA

0.02%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.20%

Risk-Based Capital

28.48%

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).

ROA0.02%Peer avg: 0.44%▼ Below avg
Risk-Based Capital28.48%Peer avg: 23.03%▲ Above avg

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

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
May 1995SatisfactoryNot Reported
Mar 1993SatisfactoryNot Reported
May 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/31aa48e7-0b4d-40b1-9b3d-886821cf8549"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: