This institution is no longer active

Operations ceased on March 1, 2003. CRA examination history below reflects the period it was active.

WHISPERWOOD NATIONAL BANK

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

Est. 1983FDIC #24,391

Satisfactory Same

Current rating · Exam: July 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

4415 Fourth Street, LUBBOCK, TX

County

Lubbock County

Established

March 4, 1983

Total Assets

$83M(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

July 13, 1998

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 27 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)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1998	Satisfactory	Small Bank
Aug 1995	Satisfactory	Not Reported
Apr 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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