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This institution is no longer active

Operations ceased on November 19, 2010. CRA examination history below reflects the period it was active.

GULF STATE COMMUNITY BANK

CARRABELLE, FL · Supervised by FDIC

Est. 1971FDIC #20,340RSSD: FDIC-20340
Part ofGULF STATE BCORP→ View all charters
Satisfactory Down

Current rating · Exam: February 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.88%

Institution Profile

FDIC BankFind

Address

206 St. James Avenue, CARRABELLE, FL

County

Franklin County

Established

January 6, 1971

Total Assets

$112M(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

February 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 2010Call Report / FDIC

Total Assets

$112M

Total Deposits

$112M

Net Loans

$70M

Net Income

$-4,286K

ROA

-4.88%

ROE

-298.64%

Risk-Based Capital

-0.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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