This institution is no longer active

Operations ceased on April 19, 1996. CRA examination history below reflects the period it was active.

POST OAK BANK

HOUSTON, TX · Supervised by FDIC

Est. 1963FDIC #18,985RSSD: FDIC-18985

Satisfactory Same

Current rating · Exam: October 1994

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.71%

Institution Profile

FDIC BankFind

Address

2200 Post Oak Road, HOUSTON, TX

County

Harris County

Established

October 30, 1963

Total Assets

$312M(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

October 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️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 Q1 1996Call Report / FDIC

Total Assets

$312M

Total Deposits

$264M

Net Loans

$190M

Net Income

$1M

ROA

1.71%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.43%

Risk-Based Capital

18.46%

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).

ROA1.71%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.46%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.65%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	196	78.57%	7.65%

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
Oct 1994	Satisfactory	Not Reported
Jan 1993	Satisfactory	Not Reported
Feb 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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