This institution is no longer active

Operations ceased on August 1, 2018. CRA examination history below reflects the period it was active.

THE BANK OF RIVER OAKS

HOUSTON, TX · Supervised by FDIC

Est. 2005FDIC #58,142RSSD: FDIC-58142

Satisfactory Same

Current rating · Exam: March 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.46%

Institution Profile

FDIC BankFind

Address

2929 Kirby Drive, HOUSTON, TX

County

Harris County

Established

November 4, 2005

Total Assets

$438M(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 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 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 Q2 2018Call Report / FDIC

Total Assets

$438M

Total Deposits

$369M

Net Loans

$339M

Net Income

$3M

ROA

1.46%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.81%

Risk-Based Capital

14.58%

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).

ROA1.46%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.58%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
Mar 2017	Satisfactory	Intermediate Small Bank
Feb 2015	Satisfactory	Intermediate Small Bank
Jun 2011	Satisfactory	Small Bank

1 previous rating locked — back to 2008

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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