This institution is no longer active

Operations ceased on August 15, 2003. CRA examination history below reflects the period it was active.

WESTERN BANK & TRUST

DUNCANVILLE, TX · Supervised by FDIC

Est. 1990FDIC #33,201RSSD: FDIC-33201

Part ofWB&T BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2003

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.40%

Institution Profile

FDIC BankFind

Address

219 East Camp Wisdom Road, DUNCANVILLE, TX

County

Dallas County

Established

November 15, 1990

Total Assets

$156M(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

February 1, 2003

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 2003Call Report / FDIC

Total Assets

$156M

Total Deposits

$139M

Net Loans

$106M

Net Income

$1M

ROA

1.40%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.23%

Risk-Based Capital

15.44%

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).

ROA1.40%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.44%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2003	Satisfactory	Small Bank
Dec 1997	Satisfactory	Small Bank
May 1995	Satisfactory	Not Reported

2 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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