🏦Bank Scorer

This institution is no longer active

Operations ceased on November 19, 1992. CRA examination history below reflects the period it was active.

RIVER OAKS BANK

HOUSTON, TX · Supervised by FDIC

Est. 1947FDIC #16,542RSSD: FDIC-16542
Part ofCOMPASS BANCSHARES INC→ View all charters
Satisfactory Up

Current rating · Exam: March 1991

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

2001 Kirby Drive, HOUSTON, TX

County

Harris County

Established

February 14, 1947

Total Assets

$425M(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 31, 1991

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 35 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 1992Call Report / FDIC

Total Assets

$425M

Total Deposits

$371M

Net Loans

$215M

Net Income

$3M

ROA

0.91%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.45%

Risk-Based Capital

13.01%

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).

ROA0.91%Peer avg: 0.44%▲ Above avg
Risk-Based Capital13.01%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

Improving

Based on last 2 exams

Exam DateRatingExam Type
Mar 1991SatisfactoryNot Reported
Dec 1990Needs to ImproveNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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