Texas
Community Reinvestment Act ratings · Search Texas banks
1,476 banks tracked
Texas has 1,476 banks tracked under the Community Reinvestment Act. 98 earned an Outstanding rating, 24 need to improve, 3 are in Substantial Noncompliance. Use the filters below to browse by rating or sort by most recent exam.
Current Rating Distribution
Outstanding
98
9.8%
Satisfactory
875
87.5%
Needs to Improve
24
2.4%
Substantial Noncompliance
3
0.3%
FIRST HEIGHTS BANK, A FSB
HOUSTON · OTS · Dec 2001
Substantial NoncomplianceGUARANTY BANK
AUSTIN · OTS · Dec 2007
OutstandingFRANKLIN FEDERAL BANCORP., A FSB
AUSTIN · OTS · Jan 1995
OutstandingFIRST AMERICAN BANK, S.S.B.
BRYAN · OTS · Jan 1992
SatisfactoryTEXAS TRUST SAVINGS BANK FSB
AUSTIN · OTS · Nov 1993
SatisfactoryBANK UNITED
HOUSTON · OTS · Oct 1999
OutstandingPACIFIC SOUTHWEST BANK
CORPUS CHRISTI · OTS · Feb 1998
SatisfactoryFIRST MADISON BANK, FSB
DALLAS · OTS · Jul 1995
OutstandingBLUEBONNET SAVINGS BANK FSB
DALLAS · OTS · Oct 2000
SatisfactoryTHE COMMERCIAL NATIONAL BANK OF BRADY
BRADY · OCC · Jun 2024
SatisfactoryTHE FIRST NATIONAL BANK OF ELDORADO
ELDORADO · OCC · Sep 2021
SatisfactoryTHE FIRST NATIONAL BANK OF TAHOKA
TAHOKA · OCC · Apr 2019
SatisfactoryTHE FALLS CITY NATIONAL BANK
FALLS CITY · OCC · Sep 2024
SatisfactoryBIG BEND BANKS, NATIONAL ASSOCIATION
MARFA · OCC · Jul 2025
SatisfactoryTHE FIRST NATIONAL BANK OF ROTAN
ROTAN · OCC · Jul 1996
SatisfactoryTHE YOAKUM NATIONAL BANK
YOAKUM · OCC · Oct 2023
SatisfactoryFIRST FINANCIAL BANK, NA
SOUTHLAKE · OCC · Oct 2012
SatisfactoryFIRSTBANK SOUTHWEST, N.A.
PERRYTON · OCC · Feb 2002
SatisfactoryFIRST NATIONAL BANK OF PECOS
PECOS · OCC · Sep 1999
SatisfactoryTHE FIRST NATIONAL BANK OF BYERS
BYERS · OCC · Aug 2009
SatisfactoryGREAT SOUTHWEST BANK, FSB
HOUSTON · OTS · Jan 1996
SatisfactoryTHE FIRST NATIONAL BANK OF CANTON
CANTON · OCC · Jan 2012
SatisfactoryMOODY NATIONAL BANK
GALVESTON · OCC · Feb 2024
SatisfactoryFIRST STATE BANK
OVERTON · FDIC · Jan 2010
SatisfactoryCITIZENS STATE BANK
PRINCETON · FDIC · Apr 1999
SatisfactoryFIRST STATE BANK
WELLS · FDIC · Aug 1992
SatisfactoryTHE CITIZENS STATE BANK OF DICKINSON, TEXAS
DICKINSON · FDIC · Feb 2000
SatisfactoryBONHAM STATE BANK
BONHAM · FDIC · Sep 2003
SatisfactoryFIRST FEDERAL SAVINGS BANK
SAN ANTONIO · OTS · Feb 1994
SatisfactoryTHE FARMERS NATIONAL BANK
FORNEY · OCC · May 1996
SatisfactoryNORWEST BANK TEXAS, POST, N.A.
POST · OCC · Jun 1995
SatisfactoryTHE FIRST NATIONAL BANK OF MERTZON
MERTZON · OCC · Oct 2024
SatisfactoryTHE FIRST NATIONAL BANK OF STERLING CITY
STERLING CITY · OCC · Apr 2022
SatisfactoryAMERICAN STATE BANK
ARP · FDIC · May 2010
SatisfactoryFIRST STATE BANK
FRANKSTON · FDIC · Jun 2007
SatisfactoryNIXON STATE BANK
NIXON · FDIC · Jul 2012
SatisfactoryTHE FIRST STATE BANK
RICE · FDIC · May 2020
SatisfactoryDAYTON STATE BANK
DAYTON · FDIC · Sep 1998
SatisfactoryFIRST STATE BANK OF UVALDE
UVALDE · FDIC · Dec 2025
SatisfactoryGROOS BANK, N.A.
SAN ANTONIO · OCC · Jan 1996
OutstandingTHE LA COSTE NATIONAL BANK
LA COSTE · OCC · May 2005
SatisfactoryTEXAS COMMERCE BANK, N.A.
HOUSTON · OCC · Sep 1996
OutstandingFIRST NATIONAL BANK
PADUCAH · OCC · Oct 2016
SatisfactoryCITIZENS STATE BANK OF LULING
LULING · FDIC · Jun 2020
SatisfactoryCOMMERCIAL STATE BANK
PALMER · FDIC · Sep 2024
SatisfactoryCITADEL BANK
WILLIS · FDIC · Dec 1990
SatisfactoryTHE FIRST STATE BANK
BISHOP · FDIC · Oct 2002
SatisfactoryOAKWOOD BANK
DALLAS · FDIC · May 2023
Needs to ImproveROSENBERG BANK AND TRUST
ROSENBERG · FDIC · Jan 1995
Needs to ImproveCITIZENS BANK OF TEXAS
NEW WAVERLY · FDIC · May 1992
Satisfactory
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| FIRST HEIGHTS BANK, A FSB | HOUSTON | OTS | Dec 2001 | Substantial Noncompliance |
| GUARANTY BANK | AUSTIN | OTS | Dec 2007 | Outstanding |
| FRANKLIN FEDERAL BANCORP., A FSB | AUSTIN | OTS | Jan 1995 | Outstanding |
| FIRST AMERICAN BANK, S.S.B. | BRYAN | OTS | Jan 1992 | Satisfactory |
| TEXAS TRUST SAVINGS BANK FSB | AUSTIN | OTS | Nov 1993 | Satisfactory |
| BANK UNITED | HOUSTON | OTS | Oct 1999 | Outstanding |
| PACIFIC SOUTHWEST BANK | CORPUS CHRISTI | OTS | Feb 1998 | Satisfactory |
| FIRST MADISON BANK, FSB | DALLAS | OTS | Jul 1995 | Outstanding |
| BLUEBONNET SAVINGS BANK FSB | DALLAS | OTS | Oct 2000 | Satisfactory |
| THE COMMERCIAL NATIONAL BANK OF BRADY | BRADY | OCC | Jun 2024 | Satisfactory |
| THE FIRST NATIONAL BANK OF ELDORADO | ELDORADO | OCC | Sep 2021 | Satisfactory |
| THE FIRST NATIONAL BANK OF TAHOKA | TAHOKA | OCC | Apr 2019 | Satisfactory |
| THE FALLS CITY NATIONAL BANK | FALLS CITY | OCC | Sep 2024 | Satisfactory |
| BIG BEND BANKS, NATIONAL ASSOCIATION | MARFA | OCC | Jul 2025 | Satisfactory |
| THE FIRST NATIONAL BANK OF ROTAN | ROTAN | OCC | Jul 1996 | Satisfactory |
| THE YOAKUM NATIONAL BANK | YOAKUM | OCC | Oct 2023 | Satisfactory |
| FIRST FINANCIAL BANK, NA | SOUTHLAKE | OCC | Oct 2012 | Satisfactory |
| FIRSTBANK SOUTHWEST, N.A. | PERRYTON | OCC | Feb 2002 | Satisfactory |
| FIRST NATIONAL BANK OF PECOS | PECOS | OCC | Sep 1999 | Satisfactory |
| THE FIRST NATIONAL BANK OF BYERS | BYERS | OCC | Aug 2009 | Satisfactory |
| GREAT SOUTHWEST BANK, FSB | HOUSTON | OTS | Jan 1996 | Satisfactory |
| THE FIRST NATIONAL BANK OF CANTON | CANTON | OCC | Jan 2012 | Satisfactory |
| MOODY NATIONAL BANK | GALVESTON | OCC | Feb 2024 | Satisfactory |
| FIRST STATE BANK | OVERTON | FDIC | Jan 2010 | Satisfactory |
| CITIZENS STATE BANK | PRINCETON | FDIC | Apr 1999 | Satisfactory |
| FIRST STATE BANK | WELLS | FDIC | Aug 1992 | Satisfactory |
| THE CITIZENS STATE BANK OF DICKINSON, TEXAS | DICKINSON | FDIC | Feb 2000 | Satisfactory |
| BONHAM STATE BANK | BONHAM | FDIC | Sep 2003 | Satisfactory |
| FIRST FEDERAL SAVINGS BANK | SAN ANTONIO | OTS | Feb 1994 | Satisfactory |
| THE FARMERS NATIONAL BANK | FORNEY | OCC | May 1996 | Satisfactory |
| NORWEST BANK TEXAS, POST, N.A. | POST | OCC | Jun 1995 | Satisfactory |
| THE FIRST NATIONAL BANK OF MERTZON | MERTZON | OCC | Oct 2024 | Satisfactory |
| THE FIRST NATIONAL BANK OF STERLING CITY | STERLING CITY | OCC | Apr 2022 | Satisfactory |
| AMERICAN STATE BANK | ARP | FDIC | May 2010 | Satisfactory |
| FIRST STATE BANK | FRANKSTON | FDIC | Jun 2007 | Satisfactory |
| NIXON STATE BANK | NIXON | FDIC | Jul 2012 | Satisfactory |
| THE FIRST STATE BANK | RICE | FDIC | May 2020 | Satisfactory |
| DAYTON STATE BANK | DAYTON | FDIC | Sep 1998 | Satisfactory |
| FIRST STATE BANK OF UVALDE | UVALDE | FDIC | Dec 2025 | Satisfactory |
| GROOS BANK, N.A. | SAN ANTONIO | OCC | Jan 1996 | Outstanding |
| THE LA COSTE NATIONAL BANK | LA COSTE | OCC | May 2005 | Satisfactory |
| TEXAS COMMERCE BANK, N.A. | HOUSTON | OCC | Sep 1996 | Outstanding |
| FIRST NATIONAL BANK | PADUCAH | OCC | Oct 2016 | Satisfactory |
| CITIZENS STATE BANK OF LULING | LULING | FDIC | Jun 2020 | Satisfactory |
| COMMERCIAL STATE BANK | PALMER | FDIC | Sep 2024 | Satisfactory |
| CITADEL BANK | WILLIS | FDIC | Dec 1990 | Satisfactory |
| THE FIRST STATE BANK | BISHOP | FDIC | Oct 2002 | Satisfactory |
| OAKWOOD BANK | DALLAS | FDIC | May 2023 | Needs to Improve |
| ROSENBERG BANK AND TRUST | ROSENBERG | FDIC | Jan 1995 | Needs to Improve |
| CITIZENS BANK OF TEXAS | NEW WAVERLY | FDIC | May 1992 | Satisfactory |