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This institution is no longer active

Operations ceased on April 19, 2013. CRA examination history below reflects the period it was active.

HERITAGE BANK OF NORTH FLORIDA

ORANGE PARK, FL · Supervised by FDIC

Est. 1986FDIC #26,680RSSD: FDIC-26680
Part ofHERITAGE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -20.29%

Institution Profile

FDIC BankFind

Address

794 Blanding Boulevard, ORANGE PARK, FL

County

Clay County

Established

May 23, 1986

Total Assets

$104M(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

April 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 Q1 2013Call Report / FDIC

Total Assets

$104M

Total Deposits

$106M

Net Loans

$74M

Net Income

$-5,450K

ROA

-20.29%

Risk-Based Capital

-4.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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