This institution is no longer active

Operations ceased on January 2, 2013. CRA examination history below reflects the period it was active.

COMMUNITY BANK, DESTIN

MIRAMAR BEACH, FL · Supervised by FDIC

Est. 2007FDIC #58,468RSSD: FDIC-58468

Part ofCOMMUNITY BANCSHARES MS EMPLOYEE STK OWNERSHIP PLAN→ View all charters

Satisfactory Same

Current rating · Exam: October 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.20%

Institution Profile

FDIC BankFind

Address

12590 Emerald Coast Parkway, MIRAMAR BEACH, FL

County

Walton County

Established

June 11, 2007

Total Assets

$102M(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

October 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 13 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 2012Call Report / FDIC

Total Assets

$102M

Total Deposits

$78M

Net Loans

$63M

Net Income

$181K

ROA

0.20%

ROE

1.21%

Risk-Based Capital

16.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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