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This institution is no longer active

Operations ceased on June 24, 1994. CRA examination history below reflects the period it was active.

RUSTON STATE BANK & TRUST COMPANY

RUSTON, LA · Supervised by FDIC

Est. 1890FDIC #12,615RSSD: FDIC-12615
Part ofHERITAGE FINANCIAL CORP→ View all charters
Outstanding Up

Current rating · Exam: September 1993

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.53%

Is this bank safe?

RUSTON STATE BANK & TRUST COMPANY earned an Outstanding CRA rating (1993), is financially strong (ROA +1.53%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

400 North Trenton Street, RUSTON, LA

County

Lincoln County

Established

July 7, 1890

Total Assets

$217M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 1993

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$217M

Total Deposits

$187M

Net Loans

$105M

Net Income

$844K

ROA

1.53%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.96%

Risk-Based Capital

14.78%

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).

ROA1.53%Peer avg: 0.44%▲ Above avg
Risk-Based Capital14.78%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Sep 1993OutstandingNot Reported
Sep 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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