This institution is no longer active

Operations ceased on December 31, 1997. CRA examination history below reflects the period it was active.

THE CROCKETT STATE BANK

CROCKETT, TX · Supervised by FDIC

Est. 1907FDIC #8,447RSSD: FDIC-8447

Part ofCROCKETT BANCSHARES INC→ View all charters

Needs to Improve Down

Current rating · Exam: August 1997

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.64%

Institution Profile

FDIC BankFind

Address

617 East Houston Street, CROCKETT, TX

County

Houston County

Established

January 1, 1907

Total Assets

$43M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

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 Q3 1997Call Report / FDIC

Total Assets

$43M

Total Deposits

$39M

Net Loans

$6M

Net Income

$206K

ROA

0.64%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.33%

Risk-Based Capital

34.44%

Above 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).

ROA0.64%Peer avg: 0.44%▲ Above avg

Risk-Based Capital34.44%Peer avg: 23.03%▲ Above avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 1997	Needs to Improve	Small Bank
Mar 1994	Satisfactory	Not Reported
Nov 1991	Satisfactory	Not Reported

1 previous rating 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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