🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2022. CRA examination history below reflects the period it was active.

BANK OF THE SOUTH

PENSACOLA, FL · Supervised by FDIC

Est. 1964FDIC #19,125RSSD: FDIC-19125
Part ofFIVE FLAGS BANKS INC→ View all charters
Satisfactory Up

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.12%

Institution Profile

FDIC BankFind

Address

4410 W. Fairfield Drive, PENSACOLA, FL

County

Escambia County

Established

May 20, 1964

Total Assets

$93M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q1 2022Call Report / FDIC

Total Assets

$93M

Total Deposits

$78M

Net Loans

$22M

Net Income

$-28K

ROA

-0.12%

ROE

-0.77%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

15 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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