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This institution is no longer active

Operations ceased on August 21, 2020. CRA examination history below reflects the period it was active.

FREEDOM BANK

SAINT PETERSBURG, FL · Supervised by FDIC

Est. 2005FDIC #57,945RSSD: FDIC-57945
Part ofFOURTH STREET BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

1200 4th Street North, SAINT PETERSBURG, FL

County

Pinellas County

Established

April 4, 2005

Total Assets

$392M(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, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2020Call Report / FDIC

Total Assets

$392M

Total Deposits

$359M

Net Loans

$308M

Net Income

$2M

ROA

1.27%

ROE

14.87%

Risk-Based Capital

12.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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