🏦Bank Scorer

This institution is no longer active

Operations ceased on August 27, 1993. CRA examination history below reflects the period it was active.

THE COMMERCIAL STATE BANK

GARRISON, TX · Supervised by FDIC

Est. 1937FDIC #15,462RSSD: FDIC-15462
Outstanding Up

Current rating · Exam: December 1991

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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 1.64%

Institution Profile

FDIC BankFind

Address

West Side Public Square, GARRISON, TX

County

Nacogdoches County

Established

February 19, 1937

Total Assets

$36M(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

December 1, 1991

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 34 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 1993Call Report / FDIC

Total Assets

$36M

Total Deposits

$32M

Net Loans

$14M

Net Income

$291K

ROA

1.64%

Above avg for Small banks. Peer avg: 0.44%

ROE

18.01%

Risk-Based Capital

21.93%

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).

ROA1.64%Peer avg: 0.44%▲ Above avg
Risk-Based Capital21.93%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
Dec 1991OutstandingNot Reported
Jul 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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