🏦Bank Scorer

This institution is no longer active

Operations ceased on April 27, 2018. CRA examination history below reflects the period it was active.

PLATINUM BANK

LUBBOCK, TX · Supervised by FDIC

Est. 2007FDIC #58,608RSSD: FDIC-58608
Part ofPLATINUM BANCSHARES OF TX INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2013

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.51%

Institution Profile

FDIC BankFind

Address

6502 Slide Road, Suite 110, LUBBOCK, TX

County

Lubbock County

Established

June 25, 2007

Total Assets

$199M(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

March 1, 2013

Exam Type

Small Bank

Regulator

FDIC
⚠️This exam is 13 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 Q1 2018Call Report / FDIC

Total Assets

$199M

Total Deposits

$162M

Net Loans

$158M

Net Income

$-263K

ROA

-0.51%

Below avg for Small banks. Peer avg: 0.44%

ROE

-3.15%

Risk-Based Capital

18.07%

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-0.51%Peer avg: 0.44%▼ Below avg
Risk-Based Capital18.07%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 2 exams

Exam DateRatingExam Type
Mar 2013SatisfactorySmall Bank
Dec 2009SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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