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This institution is no longer active

Operations ceased on October 25, 2014. CRA examination history below reflects the period it was active.

HIGHLANDS INDEPENDENT BANK

SEBRING, FL · Supervised by FDIC

Est. 1985FDIC #26,428RSSD: FDIC-26428
Part ofHIGHLANDS IND BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.21%

Institution Profile

FDIC BankFind

Address

2600 U.S. Highway 27, North, SEBRING, FL

County

Highlands County

Established

November 1, 1985

Total Assets

$244M(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

September 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 2014Call Report / FDIC

Total Assets

$244M

Total Deposits

$227M

Net Loans

$114M

Net Income

$397K

ROA

0.21%

ROE

3.97%

Risk-Based Capital

11.65%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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