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This institution is no longer active

Operations ceased on August 11, 1995. CRA examination history below reflects the period it was active.

KEY BISCAYNE BANK AND TRUST COMPANY

KEY BISCAYNE, FL · Supervised by FDIC

Est. 1964FDIC #19,061RSSD: FDIC-19061
Part ofKEY BISCAYNE BANKCORP INC→ View all charters
Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.84%

Institution Profile

FDIC BankFind

Address

95 West Mcintyre Street, KEY BISCAYNE, FL

County

Miami-Dade County

Established

March 10, 1964

Total Assets

$144M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 10, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1995Call Report / FDIC

Total Assets

$144M

Total Deposits

$119M

Net Loans

$46M

Net Income

$1M

ROA

1.84%

ROE

17.36%

Risk-Based Capital

25.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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