This institution is no longer active

Operations ceased on June 15, 1998. CRA examination history below reflects the period it was active.

THE COUNTRY BANK

CHARLOTTE, TX · Supervised by FDIC

Est. 1913FDIC #15,602RSSD: FDIC-15602

Part ofCHARLOTTE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: August 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.60%

Institution Profile

FDIC BankFind

Address

Del Mar Avenue And State Highway 97, CHARLOTTE, TX

County

Atascosa County

Established

January 10, 1913

Total Assets

$38M(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, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$38M

Total Deposits

$36M

Net Loans

$22M

Net Income

$-250K

ROA

-2.60%

Below avg for Small banks. Peer avg: 0.44%

ROE

-36.02%

Risk-Based Capital

11.86%

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).

ROA-2.60%Peer avg: 0.44%▼ Below avg

Risk-Based Capital11.86%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 1997	Satisfactory	Small Bank
Nov 1994	Satisfactory	Not Reported
Jul 1992	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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