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This institution is no longer active

Operations ceased on April 22, 2005. CRA examination history below reflects the period it was active.

DESTIN BANK

DESTIN, FL · Supervised by FDIC

Est. 1985FDIC #32,321RSSD: FDIC-32321
Part ofDESTIN BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: December 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.68%

Institution Profile

FDIC BankFind

Address

2000 Ninety Eight Palms Boulevard, DESTIN, FL

County

Okaloosa County

Established

May 15, 1985

Total Assets

$528M(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

December 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 2005Call Report / FDIC

Total Assets

$528M

Total Deposits

$428M

Net Loans

$384M

Net Income

$2M

ROA

1.68%

ROE

25.29%

Risk-Based Capital

10.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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