🏦Bank Scorer

FIRST HOME BANK

SAINT PETERSBURG, FL · Supervised by FDIC

Est. 1999FDIC #34,997RSSD: FDIC-34997
Part ofBAYFIRST FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.75%

Institution Profile

FDIC BankFind

Address

700 Central Ave, SAINT PETERSBURG, FL

County

Pinellas County

Established

February 12, 1999

Total Assets

$1.2B(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, 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 Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$910M

Net Income

$-5,458K

ROA

-1.75%

ROE

-24.07%

Risk-Based Capital

9.84%

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 Rate9.53%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$1.2B

1-Year Change

0

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202110,41167.9%9.53%
202010,06966%8.22%
20194,06662.47%8.17%
20183,70157.52%14.24%

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

2 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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