This institution is no longer active

Operations ceased on July 12, 2002. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK

NEEDVILLE, TX · Supervised by FDIC

Est. 1918FDIC #11,930RSSD: FDIC-11930

Satisfactory Same

Current rating · Exam: May 1999

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

9022 Main Street, NEEDVILLE, TX

County

Fort Bend County

Established

January 1, 1918

Total Assets

$17M(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

May 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 2002Call Report / FDIC

Total Assets

$17M

Total Deposits

$14M

Net Loans

$5M

Net Income

$76K

ROA

0.88%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.07%

Risk-Based Capital

26.81%

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).

ROA0.88%Peer avg: 0.44%▲ Above avg

Risk-Based Capital26.81%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 1999	Satisfactory	Small Bank
May 1996	Satisfactory	Small Bank
Jul 1993	Satisfactory	Not Reported

2 previous ratings locked — back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

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/9f49dc60-004f-4f5e-bed9-89e097de35a1"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: