🏦Bank Scorer

FIRST NATIONAL BANK OF WAUCHULA

WAUCHULA, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1960FDIC #18,136
Outstanding Same

Current rating · Exam: June 2021

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

406 N 6th Ave, WAUCHULA, FL

County

Hardee County

Established

January 12, 1960

Total Assets

$88M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 29, 2021

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2026(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$88M

Total Deposits

$77M

Net Loans

$57M

Net Income

$123K

ROA

0.57%

ROE

5.12%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$75M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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