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This institution is no longer active

Operations ceased on November 2, 2012. CRA examination history below reflects the period it was active.

HERITAGE BANK OF FLORIDA

LUTZ, FL · Supervised by FDIC

Est. 1999FDIC #35,009RSSD: FDIC-35009
Satisfactory Same

Current rating · Exam: July 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.36%

Institution Profile

FDIC BankFind

Address

23000 State Road 54, LUTZ, FL

County

Hillsborough County

Established

August 3, 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

July 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2012Call Report / FDIC

Total Assets

$225M

Total Deposits

$223M

Net Loans

$172M

Net Income

$-7,514K

ROA

-4.36%

ROE

-200.57%

Risk-Based Capital

1.46%

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 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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