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This institution is no longer active

Operations ceased on January 1, 2019. CRA examination history below reflects the period it was active.

PEOPLES STATE BANK

LAKE CITY, FL · Supervised by FDIC

Est. 1999FDIC #34,702RSSD: FDIC-34702
Part ofPSB BANCGROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Institution Profile

FDIC BankFind

Address

350 Sw Main Boulevard, LAKE CITY, FL

County

Columbia County

Established

April 28, 1999

Total Assets

$86M(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, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q4 2018Call Report / FDIC

Total Assets

$86M

Total Deposits

$72M

Net Loans

$75M

Net Income

$650K

ROA

0.76%

ROE

8.55%

Risk-Based Capital

11.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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