This institution is no longer active

Operations ceased on January 1, 2015. CRA examination history below reflects the period it was active.

TEXAS STAR BANK, SSB

LOTT, TX · Supervised by FDIC

Est. 1943FDIC #16,218RSSD: FDIC-16218

Part ofSOUTHERN BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2014

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.16%

Institution Profile

FDIC BankFind

Address

101 Gassaway Avenue, LOTT, TX

County

Falls County

Established

January 2, 1943

Total Assets

$118M(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

August 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 11 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 Q4 2014Call Report / FDIC

Total Assets

$118M

Total Deposits

$68M

Net Loans

$100M

Net Income

$1M

ROA

1.16%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.56%

Risk-Based Capital

10.91%

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).

ROA1.16%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.91%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2014	Satisfactory	Small Bank
Mar 2009	Satisfactory	Small Bank
Oct 2004	Satisfactory	Small Bank

6 previous ratings 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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