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This institution is no longer active

Operations ceased on January 1, 2012. CRA examination history below reflects the period it was active.

EAST COAST COMMUNITY BANK

ORMOND BEACH, FL · Supervised by FDIC

Est. 1997FDIC #34,439RSSD: FDIC-34439
Part ofCOMMERCIAL BCORP INC THE→ View all charters
Satisfactory Same

Current rating · Exam: August 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.26%

Institution Profile

FDIC BankFind

Address

1240 W. Granada Blvd, ORMOND BEACH, FL

County

Volusia County

Established

October 14, 1997

Total Assets

$80M(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

August 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 2011Call Report / FDIC

Total Assets

$80M

Total Deposits

$73M

Net Loans

$51M

Net Income

$-3,496K

ROA

-4.26%

ROE

-53.24%

Risk-Based Capital

7.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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