🏦Bank Scorer

This institution is no longer active

Operations ceased on October 31, 1999. CRA examination history below reflects the period it was active.

READY BANK OF WEST FLORIDA

FORT WALTON BEACH, FL · Supervised by FDIC

Est. 1988FDIC #27,182RSSD: FDIC-27182
Part ofREADY BK FT WALTON BEACH HOLDING→ View all charters
Satisfactory Same

Current rating · Exam: December 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.53%

Institution Profile

FDIC BankFind

Address

71 North Beal Parkway, FORT WALTON BEACH, FL

County

Okaloosa County

Established

February 22, 1988

Total Assets

$65M(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

December 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 Q3 1999Call Report / FDIC

Total Assets

$65M

Total Deposits

$59M

Net Loans

$49M

Net Income

$-281K

ROA

-0.53%

ROE

-5.80%

Risk-Based Capital

12.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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