🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2019. CRA examination history below reflects the period it was active.

BISCAYNE BANK

COCONUT GROVE, FL · Supervised by FDIC

Est. 2005FDIC #57,973RSSD: FDIC-57973
Part ofBISCAYNE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

2601 South Bayshore Drive, 6th Floor, COCONUT GROVE, FL

County

Miami-Dade County

Established

July 5, 2005

Total Assets

$1.0B(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

September 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2019Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$788M

Net Loans

$871M

Net Income

$3M

ROA

1.07%

ROE

12.20%

Risk-Based Capital

13.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate12.61%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201911163.06%12.61%
201817071.18%15.29%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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