Texas
Community Reinvestment Act ratings · Search Texas banks
1,476 banks tracked
Current Rating Distribution
Outstanding
97
9.7%
Satisfactory
878
87.8%
Needs to Improve
22
2.2%
Substantial Noncompliance
3
0.3%
STATE NATIONAL BANK
EL PASO · OCC · Dec 1994
OutstandingTHE FIRST NATIONAL BANK OF BRYAN
BRYAN · OCC · Jun 2006
OutstandingFIRST NATIONAL BANK OF PALESTINE
PALESTINE · OCC · Nov 1994
OutstandingFIRST CITY, TEXAS
BEAUMONT · OCC · Mar 1991
OutstandingFIRST CITY, TEXAS - BRYAN N.A.
BRYAN · OCC · Mar 1991
OutstandingTEXAS HERITAGE NATIONAL BANK
DAINGERFIELD · OCC · Sep 2025
OutstandingAMERICAN NATIONAL BANK
TERRELL · OCC · Jan 1993
OutstandingAUSTIN BANK, TEXAS NATIONAL ASSOCIATION
JACKSONVILLE · OCC · Apr 2023
OutstandingGILMER NATIONAL BANK
GILMER · OCC · Mar 2022
OutstandingFIRST NATIONAL BANK TEXAS
KILLEEN · OCC · Jul 2023
OutstandingTEXAS COMMERCE BANK
BEAUMONT · OCC · Jan 1992
OutstandingTHE MASON NATIONAL BANK
MASON · OCC · Mar 2009
OutstandingTHE BRADY NATIONAL BANK
BRADY · OCC · Jun 2022
OutstandingUSAA FEDERAL SAVINGS BANK
SAN ANTONIO · OTS · Feb 2011
OutstandingALLIED HOUSTON BANK
HOUSTON · OTS · Dec 2002
OutstandingHORIZON BANK AND TRUST, SSB
AUSTIN · OTS · Nov 1993
OutstandingSUN WORLD, N.A.
EL PASO · OTS · Sep 1995
OutstandingFIRST AMERICAN SAVINGS BANK
BEDFORD · OTS · May 1992
OutstandingRIVER VALLEY BANK, FSB
WESLACO · OTS · Mar 1996
OutstandingGUARANTY BANK
AUSTIN · OTS · Dec 2007
OutstandingFRANKLIN FEDERAL BANCORP., A FSB
AUSTIN · OTS · Jan 1995
OutstandingBANK UNITED
HOUSTON · OTS · Oct 1999
OutstandingFIRST MADISON BANK, FSB
DALLAS · OTS · Jul 1995
OutstandingGROOS BANK, N.A.
SAN ANTONIO · OCC · Jan 1996
OutstandingTEXAS COMMERCE BANK, N.A.
HOUSTON · OCC · Sep 1996
OutstandingFIRST STATE BANK OF TEXAS
DENTON · FDIC · Sep 1999
OutstandingHAPPY STATE BANK
HAPPY · FDIC · Jan 2022
OutstandingFIRST VALLEY BANK
HARLINGEN · FDIC · Mar 1997
OutstandingFIRST STATE BANK
RIO VISTA · FDIC · Jun 1997
OutstandingTHE SAN BENITO BANK & TRUST COMPANY
SAN BENITO · FDIC · Jun 1993
OutstandingFIRST STATE BANK
BANDERA · FDIC · Jan 1995
OutstandingMENARD NATIONAL BANK
MENARD · OCC · Aug 1993
OutstandingTHE GRANGER NATIONAL BANK
GRANGER · OCC · Aug 2024
OutstandingTEXAS NATIONAL BANK
MERCEDES · OCC · Jan 2024
OutstandingFIRST CITY, TEXAS - SOUR LAKE
SOUR LAKE · FDIC · Sep 1991
OutstandingMERCANTILE BANK, N.A.
BROWNSVILLE · OCC · Jun 1995
OutstandingFIRSTBANK
LOS FRESNOS · FDIC · May 1995
OutstandingFIRST NATIONAL BANK OF LA FERIA
LA FERIA · OCC · Mar 1996
OutstandingTEXAS COMMERCE BANK - EL PASO
EL PASO · OCC · Feb 1992
OutstandingTHE FIRST LIBERTY NATIONAL BANK
LIBERTY · OCC · Oct 2021
OutstandingCOMMUNITYBANK OF TEXAS, NATIONAL ASSOCIATION
BEAUMONT · OCC · Apr 2019
OutstandingTHE FIRST NATIONAL BANK OF HEBBRONVILLE
HEBBRONVILLE · OCC · Apr 2022
OutstandingFIRST NATIONAL BANK OF BOSQUE COUNTY
VALLEY MILLS · OCC · Aug 2025
OutstandingTHE SANTA ANNA NATIONAL BANK
SANTA ANNA · OCC · Sep 2024
OutstandingTEXAS COMMERCE BANK-AUSTIN
AUSTIN · OCC · Jan 1992
OutstandingFIRST-LOCKHART NATIONAL BANK
LOCKHART · OCC · Jun 2023
OutstandingFNB IN BIG SPRING
BIG SPRING · OCC · Jun 1994
OutstandingAMARILLO NATIONAL BANK
AMARILLO · OCC · Jan 2022
OutstandingFIRST CITY, TEXAS - EL PASO, N.A.
EL PASO · OCC · Jan 1991
OutstandingTEXAS COMMERCE BANK - RIO GRANDE VALLEY
MCALLEN · OCC · Feb 1992
Outstanding
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| STATE NATIONAL BANK | EL PASO | OCC | Dec 1994 | Outstanding |
| THE FIRST NATIONAL BANK OF BRYAN | BRYAN | OCC | Jun 2006 | Outstanding |
| FIRST NATIONAL BANK OF PALESTINE | PALESTINE | OCC | Nov 1994 | Outstanding |
| FIRST CITY, TEXAS | BEAUMONT | OCC | Mar 1991 | Outstanding |
| FIRST CITY, TEXAS - BRYAN N.A. | BRYAN | OCC | Mar 1991 | Outstanding |
| TEXAS HERITAGE NATIONAL BANK | DAINGERFIELD | OCC | Sep 2025 | Outstanding |
| AMERICAN NATIONAL BANK | TERRELL | OCC | Jan 1993 | Outstanding |
| AUSTIN BANK, TEXAS NATIONAL ASSOCIATION | JACKSONVILLE | OCC | Apr 2023 | Outstanding |
| GILMER NATIONAL BANK | GILMER | OCC | Mar 2022 | Outstanding |
| FIRST NATIONAL BANK TEXAS | KILLEEN | OCC | Jul 2023 | Outstanding |
| TEXAS COMMERCE BANK | BEAUMONT | OCC | Jan 1992 | Outstanding |
| THE MASON NATIONAL BANK | MASON | OCC | Mar 2009 | Outstanding |
| THE BRADY NATIONAL BANK | BRADY | OCC | Jun 2022 | Outstanding |
| USAA FEDERAL SAVINGS BANK | SAN ANTONIO | OTS | Feb 2011 | Outstanding |
| ALLIED HOUSTON BANK | HOUSTON | OTS | Dec 2002 | Outstanding |
| HORIZON BANK AND TRUST, SSB | AUSTIN | OTS | Nov 1993 | Outstanding |
| SUN WORLD, N.A. | EL PASO | OTS | Sep 1995 | Outstanding |
| FIRST AMERICAN SAVINGS BANK | BEDFORD | OTS | May 1992 | Outstanding |
| RIVER VALLEY BANK, FSB | WESLACO | OTS | Mar 1996 | Outstanding |
| GUARANTY BANK | AUSTIN | OTS | Dec 2007 | Outstanding |
| FRANKLIN FEDERAL BANCORP., A FSB | AUSTIN | OTS | Jan 1995 | Outstanding |
| BANK UNITED | HOUSTON | OTS | Oct 1999 | Outstanding |
| FIRST MADISON BANK, FSB | DALLAS | OTS | Jul 1995 | Outstanding |
| GROOS BANK, N.A. | SAN ANTONIO | OCC | Jan 1996 | Outstanding |
| TEXAS COMMERCE BANK, N.A. | HOUSTON | OCC | Sep 1996 | Outstanding |
| FIRST STATE BANK OF TEXAS | DENTON | FDIC | Sep 1999 | Outstanding |
| HAPPY STATE BANK | HAPPY | FDIC | Jan 2022 | Outstanding |
| FIRST VALLEY BANK | HARLINGEN | FDIC | Mar 1997 | Outstanding |
| FIRST STATE BANK | RIO VISTA | FDIC | Jun 1997 | Outstanding |
| THE SAN BENITO BANK & TRUST COMPANY | SAN BENITO | FDIC | Jun 1993 | Outstanding |
| FIRST STATE BANK | BANDERA | FDIC | Jan 1995 | Outstanding |
| MENARD NATIONAL BANK | MENARD | OCC | Aug 1993 | Outstanding |
| THE GRANGER NATIONAL BANK | GRANGER | OCC | Aug 2024 | Outstanding |
| TEXAS NATIONAL BANK | MERCEDES | OCC | Jan 2024 | Outstanding |
| FIRST CITY, TEXAS - SOUR LAKE | SOUR LAKE | FDIC | Sep 1991 | Outstanding |
| MERCANTILE BANK, N.A. | BROWNSVILLE | OCC | Jun 1995 | Outstanding |
| FIRSTBANK | LOS FRESNOS | FDIC | May 1995 | Outstanding |
| FIRST NATIONAL BANK OF LA FERIA | LA FERIA | OCC | Mar 1996 | Outstanding |
| TEXAS COMMERCE BANK - EL PASO | EL PASO | OCC | Feb 1992 | Outstanding |
| THE FIRST LIBERTY NATIONAL BANK | LIBERTY | OCC | Oct 2021 | Outstanding |
| COMMUNITYBANK OF TEXAS, NATIONAL ASSOCIATION | BEAUMONT | OCC | Apr 2019 | Outstanding |
| THE FIRST NATIONAL BANK OF HEBBRONVILLE | HEBBRONVILLE | OCC | Apr 2022 | Outstanding |
| FIRST NATIONAL BANK OF BOSQUE COUNTY | VALLEY MILLS | OCC | Aug 2025 | Outstanding |
| THE SANTA ANNA NATIONAL BANK | SANTA ANNA | OCC | Sep 2024 | Outstanding |
| TEXAS COMMERCE BANK-AUSTIN | AUSTIN | OCC | Jan 1992 | Outstanding |
| FIRST-LOCKHART NATIONAL BANK | LOCKHART | OCC | Jun 2023 | Outstanding |
| FNB IN BIG SPRING | BIG SPRING | OCC | Jun 1994 | Outstanding |
| AMARILLO NATIONAL BANK | AMARILLO | OCC | Jan 2022 | Outstanding |
| FIRST CITY, TEXAS - EL PASO, N.A. | EL PASO | OCC | Jan 1991 | Outstanding |
| TEXAS COMMERCE BANK - RIO GRANDE VALLEY | MCALLEN | OCC | Feb 1992 | Outstanding |