This institution is no longer active

Operations ceased on November 22, 1997. CRA examination history below reflects the period it was active.

VICTORIA BANK AND TRUST COMPANY

VICTORIA, TX · Supervised by FDIC

Est. 1875FDIC #16,931RSSD: FDIC-16931

Part ofNORWEST CORP→ View all charters

Outstanding Same

Current rating · Exam: July 1995

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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 0.86%

Institution Profile

FDIC BankFind

Address

One O'Connor Plaza, VICTORIA, TX

County

Victoria County

Established

March 1, 1875

Total Assets

$2.8B(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

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q3 1997Call Report / FDIC

Total Assets

$2.8B

Total Deposits

$2.5B

Net Loans

$1.5B

Net Income

$18M

ROA

0.86%

Below avg for Community banks. Peer avg: 0.90%

ROE

11.40%

Risk-Based Capital

14.29%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.86%Peer avg: 0.90%▼ Below avg

Risk-Based Capital14.29%Peer avg: 12.91%▲ Above 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
Jul 1995	Outstanding	Not Reported
Nov 1992	Outstanding	Not Reported
Feb 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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