This institution is no longer active

Operations ceased on January 1, 1997. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK

DE LEON, TX · Supervised by FDIC

Est. 1922FDIC #11,163RSSD: FDIC-11163

Part ofGUSTINE-DELEON BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: April 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

101 North Texas Street, DE LEON, TX

County

Comanche County

Established

January 1, 1922

Total Assets

$22M(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

April 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1996Call Report / FDIC

Total Assets

$22M

Total Deposits

$20M

Net Loans

$12M

Net Income

$186K

ROA

0.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.67%

Risk-Based Capital

13.96%

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).

ROA0.86%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.96%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 3 exams

Exam Date	Rating	Exam Type
Apr 1995	Satisfactory	Not Reported
Jul 1992	Satisfactory	Not Reported
Aug 1991	Needs to Improve	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/09feeaa2-3cf5-462c-b45e-e30c022a7ccf"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: