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This institution is no longer active

Operations ceased on March 17, 2012. CRA examination history below reflects the period it was active.

BAY BANK & TRUST CO.

PANAMA CITY, FL · Supervised by FDIC

Est. 1935FDIC #15,169RSSD: FDIC-15169
Satisfactory Same

Current rating · Exam: August 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.54%

Institution Profile

FDIC BankFind

Address

509 Harrison Avenue, PANAMA CITY, FL

County

Bay County

Established

May 29, 1935

Total Assets

$233M(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

August 1, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 Q4 2011Call Report / FDIC

Total Assets

$233M

Total Deposits

$207M

Net Loans

$115M

Net Income

$-3,710K

ROA

-1.54%

ROE

-13.86%

Risk-Based Capital

22.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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