This institution is no longer active

Operations ceased on October 31, 2019. CRA examination history below reflects the period it was active.

FIRST FLORIDA BANK

DESTIN, FL · Supervised by FDIC

Est. 2006FDIC #58,370RSSD: FDIC-58370

Part ofFIRST FLORIDA BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.45%

Institution Profile

FDIC BankFind

Address

2000 Ninety-Eight Palms Blvd., DESTIN, FL

County

Okaloosa County

Established

November 27, 2006

Total Assets

$438M(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

June 1, 2012

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 Q3 2019Call Report / FDIC

Total Assets

$438M

Total Deposits

$372M

Net Loans

$243M

Net Income

$5M

ROA

1.45%

ROE

12.08%

Risk-Based Capital

24.10%

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 Rate8.37%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	430	76.05%	8.37%

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 2 exams

1 previous rating locked — dating back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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