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This institution is no longer active

Operations ceased on August 7, 1998. CRA examination history below reflects the period it was active.

MARINE BANK

ST. PETERSBURG, FL · Supervised by FDIC

Est. 1986FDIC #26,826RSSD: FDIC-26826
Satisfactory Same

Current rating · Exam: November 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

9400 Ninth Street North, ST. PETERSBURG, FL

County

Pinellas County

Established

November 10, 1986

Total Assets

$62M(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

November 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$62M

Total Deposits

$46M

Net Loans

$36M

Net Income

$427K

ROA

1.39%

ROE

11.29%

Risk-Based Capital

21.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate19.23%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245263.46%19.23%
202334671.39%10.98%
20221,02279.26%8.22%
20212,11382.49%7.90%
20202,97983.55%7.92%
20191,76377.54%9.25%
20181,47779.01%10.09%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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