This institution is no longer active

Operations ceased on June 30, 1995. CRA examination history below reflects the period it was active.

ROSENBERG BANK AND TRUST

ROSENBERG, TX · Supervised by FDIC

Est. 1909FDIC #10,335RSSD: FDIC-10335

Part ofUNITED BANCSHARES INC→ View all charters

Needs to Improve Down

Current rating · Exam: January 1995

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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 0.80%

Institution Profile

FDIC BankFind

Address

2214 Avenue H, ROSENBERG, TX

County

Fort Bend County

Established

June 21, 1909

Total Assets

$66M(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, 1995

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 1995Call Report / FDIC

Total Assets

$66M

Total Deposits

$61M

Net Loans

$28M

Net Income

$136K

ROA

0.80%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.82%

Risk-Based Capital

16.62%

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).

ROA0.80%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.62%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 1995	Needs to Improve	Not Reported
Nov 1993	Satisfactory	Not Reported
Jun 1992	Satisfactory	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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