Community Reinvestment Act Public File

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low and moderate-income neighborhoods.

Public Comments Document

The document reviews comments received for the current year and the prior two calendar years as of April 9, 2025. State National Bank may periodically update this to include public comments received during the year.

CRA Performance Evaluation

This evaluation document is the most recent OCC review of State National Bank’s performance.

Branch Locations and Hours of Operation

Effective as of April 9, 2025. Branches opened or closed during the previous two years are noted in this document.

Assessment Area and Tract List

These maps show our assessment areas, including tract listing, that State National Bank services.

Loan to Deposit Ratio

This document shows State National Bank’s loan-to-deposit ratio for each quarter for the current year and the previous two years.

Products and Services

State National Bank provides a comprehensive list of all products and services we offer. Questions regarding fees or the cost of services should be directed to the staff at State National Bank by calling 806-248-7531 or email at support@snb.bank.

State National Bank does not provide residential mortgage lending. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protections Bureau’s website: www.consumerfinance.gov/hmda

HMDA data can be accessed directly at: https://www.ffiec.gov/data/hmda