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This institution is no longer active

Operations ceased on October 7, 2022. CRA examination history below reflects the period it was active.

DRUMMOND COMMUNITY BANK

CHIEFLAND, FL · Supervised by FDIC

Est. 1990FDIC #32,737RSSD: FDIC-32737
Part ofDRUMMOND BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: September 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

1627 N Young Blvd, CHIEFLAND, FL

County

Levy County

Established

January 12, 1990

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, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2022Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$879M

Net Loans

$578M

Net Income

$8M

ROA

1.06%

ROE

13.40%

Risk-Based Capital

0.00%

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 Rate9.04%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202250975.05%9.04%
202157770.19%8.32%
202034470.35%9.88%
201921875.23%9.63%
201814670.55%15.07%

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

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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