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This institution is no longer active

Operations ceased on November 9, 2019. CRA examination history below reflects the period it was active.

COMMUNITY BANK AND TRUST OF FLORIDA

OCALA, FL · Supervised by FDIC

Est. 1998FDIC #34,683RSSD: FDIC-34683
Part ofFLORIDA CMTY BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

1603 Southwest 19th Avenue, OCALA, FL

County

Marion County

Established

April 2, 1998

Total Assets

$744M(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

April 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 Q3 2019Call Report / FDIC

Total Assets

$744M

Total Deposits

$673M

Net Loans

$290M

Net Income

$5M

ROA

0.93%

ROE

10.32%

Risk-Based Capital

16.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate34.95%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201910323.3%34.95%
201812030.83%39.17%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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