🏦Bank Scorer

This institution is no longer active

Operations ceased on June 28, 1996. CRA examination history below reflects the period it was active.

LAKE STATE BANK

LUTZ, FL · Supervised by FDIC

Est. 1988FDIC #27,297RSSD: FDIC-27297
Satisfactory Same

Current rating · Exam: December 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

21780 State Road 54, LUTZ, FL

County

Hillsborough County

Established

July 15, 1988

Total Assets

$29M(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

December 1, 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 Q1 1996Call Report / FDIC

Total Assets

$29M

Total Deposits

$25M

Net Loans

$18M

Net Income

$92K

ROA

1.30%

ROE

10.15%

Risk-Based Capital

19.26%

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 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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