This institution is no longer active

Operations ceased on February 1, 1995. CRA examination history below reflects the period it was active.

THE SAN BENITO BANK & TRUST COMPANY

SAN BENITO, TX · Supervised by FDIC

Est. 1908FDIC #11,168RSSD: FDIC-11168

Part ofSAN BENITO BANCSHARES INC→ View all charters

Outstanding Up

Current rating · Exam: June 1993

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

198 South Sam Houston Street, SAN BENITO, TX

County

Cameron County

Established

December 7, 1908

Total Assets

$139M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1994Call Report / FDIC

Total Assets

$139M

Total Deposits

$130M

Net Loans

$80M

Net Income

$1M

ROA

0.89%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.64%

Risk-Based Capital

11.95%

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).

ROA0.89%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.95%Peer avg: 23.03%▼ Below 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
Jun 1993	Outstanding	Not Reported
Jun 1991	Satisfactory	Not Reported
May 1990	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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