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This institution is no longer active

Operations ceased on December 5, 2015. CRA examination history below reflects the period it was active.

FLORIDA CITIZENS BANK

GAINESVILLE, FL · Supervised by FDIC

Est. 1998FDIC #34,869RSSD: FDIC-34869
Part ofOGS INVESTMENTS INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Address

3919 West Newberry Road, GAINESVILLE, FL

County

Alachua County

Established

December 23, 1998

Total Assets

$238M(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, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 2015Call Report / FDIC

Total Assets

$238M

Total Deposits

$215M

Net Loans

$165M

Net Income

$870K

ROA

0.50%

ROE

5.70%

Risk-Based Capital

12.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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