This institution is no longer active

Operations ceased on July 15, 2011. CRA examination history below reflects the period it was active.

FIRST PEOPLES BANK

PORT SAINT LUCIE, FL · Supervised by FDIC

Est. 1999FDIC #34,870RSSD: FDIC-34870

Part ofFPB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.19%

Institution Profile

FDIC BankFind

Address

1301 S.E. Port Saint Lucie Boulevard, PORT SAINT LUCIE, FL

County

St. Lucie County

Established

April 26, 1999

Total Assets

$225M(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

October 1, 2006

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 19 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 Q2 2011Call Report / FDIC

Total Assets

$225M

Total Deposits

$208M

Net Loans

$150M

Net Income

$-5,931K

ROA

-5.19%

ROE

-342.14%

Risk-Based Capital

1.63%

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 Rate8.45%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	71	80.28%	8.45%
2023	114	81.58%	7.89%
2019	74	93.24%	0.00%
2018	63	100%	0.00%

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 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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