This institution is no longer active

Operations ceased on February 23, 2001. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK

JASPER, TX · Supervised by FDIC

Est. 1937FDIC #15,549RSSD: FDIC-15549

Part ofDIBOLL STATE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: October 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

204 East Lamar Street, JASPER, TX

County

Jasper County

Established

October 28, 1937

Total Assets

$103M(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

October 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 Q4 2000Call Report / FDIC

Total Assets

$103M

Total Deposits

$91M

Net Loans

$47M

Net Income

$817K

ROA

0.80%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.73%

Risk-Based Capital

13.79%

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).

ROA0.80%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.79%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 1997	Satisfactory	Small Bank
Dec 1995	Satisfactory	Not Reported
Mar 1994	Outstanding	Not Reported

2 previous ratings 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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