This institution is no longer active

Operations ceased on October 22, 1993. CRA examination history below reflects the period it was active.

LIBERTY BANK OF FORT WALTON BEACH

FORT WALTON BEACH, FL · Supervised by FDIC

Est. 1985FDIC #32,406RSSD: FDIC-32406

Part ofPEOPLES HOLDING CO THE→ View all charters

Satisfactory

Current rating · Exam: January 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

131 Racetrack Road, FORT WALTON BEACH, FL

County

Okaloosa County

Established

November 21, 1985

Total Assets

$43M(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

January 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1993Call Report / FDIC

Total Assets

$43M

Total Deposits

$37M

Net Loans

$34M

Net Income

$394K

ROA

1.22%

ROE

13.89%

Risk-Based Capital

14.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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