THE JACKSBORO NATIONAL BANK

JACKSBORO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1905FDIC #3,275

Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.41%

Institution Profile

FDIC BankFind

Website

www.mybanktexas.com

Address

910 N Main St, JACKSBORO, TX

County

Jack County

Established

January 1, 1905

Total Assets

$291M(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 26, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$291M

Total Deposits

$265M

Net Loans

$147M

Net Income

$1M

ROA

1.41%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.58%

Risk-Based Capital

20.63%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.41%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.63%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$257M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	139	91.37%	0.00%
2023	172	86.63%	0.58%
2022	228	88.16%	1.75%
2021	422	92.65%	0.71%
2020	371	91.91%	0.27%
2019	228	92.54%	2.63%
2018	225	89.78%	0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2025	Satisfactory	Small Bank
Jan 2022	Satisfactory	Small Bank
Aug 2017	Satisfactory	Small Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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