MAINSTREET COMMUNITY BANK OF FLORIDA
DELAND, FL · Supervised by FDIC
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.90%
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$948M
Total Deposits
$860M
Net Loans
$686M
Net Income
$2M
ROA
0.90%
ROE
10.51%
Risk-Based Capital
0.00%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
9
Branch Deposits
$809M
1-Year Change
+1
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 159 | 63.52% | 18.87% |
| 2023 | 142 | 62.68% | 19.72% |
| 2022 | 239 | 56.07% | 17.15% |
| 2021 | 459 | 62.31% | 16.78% |
| 2020 | 596 | 67.11% | 15.60% |
| 2019 | 287 | 64.81% | 16.72% |
| 2018 | 304 | 60.86% | 18.75% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
5 previous ratings locked — dating back to 2006
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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