This institution is no longer active

Operations ceased on August 22, 2003. CRA examination history below reflects the period it was active.

PENINSULA BANK OF CENTRAL FLORIDA

DESTIN, FL · Supervised by FDIC

Est. 1998FDIC #34,816RSSD: FDIC-34816

Part ofSOUTHERN COMMUNITY BCORP→ View all charters

Satisfactory

Current rating · Exam: October 2001

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.81%

Institution Profile

FDIC BankFind

Address

16055 Emerald Coast Parkway, West, Suite 104, DESTIN, FL

County

Okaloosa County

Established

October 9, 1998

Total Assets

$138M(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

October 1, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 2003Call Report / FDIC

Total Assets

$138M

Total Deposits

$125M

Net Loans

$115M

Net Income

$495K

ROA

0.81%

ROE

9.17%

Risk-Based Capital

8.52%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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