WINTER HAVEN, FL · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal 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
Total Assets
$67.9B
Total Deposits
$55.9B
Net Loans
$49.2B
Net Income
$238M
ROA
1.41%
Above avg for Regional banks. Peer avg: 0.88%
ROE
9.90%
Risk-Based Capital
13.44%
Below avg for Regional banks. Regulatory min: 8%
Compared to the peer-bank Regional peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 17,047 | 61.45% | 21.49% |
| 2022 | 22,751 | 66.31% | 17.49% |
| 2021 | 28,063 | 70.86% | 12.11% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 18.70% · above-average shown in red
Last 12 Months
106
Since 2018
434
all complaints on record
Monetary Relief
11.3%
% of complaints where company provided monetary relief
Untimely Response
0.2%
% exceeding CFPB's 15-day response window
Complaints by Product Type
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Large Bank |
| May 2021 | Satisfactory | Large Bank |
| May 2018 | Outstanding | Large Bank |
7 previous ratings locked — back to 1993
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Total Branches
346
Branch Deposits
$54.2B
1-Year Change
+92
5-year net change: +37 branches
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Monthly Complaints (2021–present)
| Month | Complaints | With Monetary Relief |
|---|---|---|
| August 2025 | 5 | 2 |
| September 2025 | 9 | 2 |
| October 2025 | 11 | 1 |
| November 2025 | 13 | 1 |
| December 2025 | 6 | 1 |
| January 2026 | 15 | 4 |
| February 2026 | 10 | 2 |
| March 2026 | 8 | 1 |
| April 2026 | 11 | 3 |
| May 2026 | 5 | 1 |
| June 2026 | 4 | 1 |
Data through Jun 2026.Last 12 months shown — unlock full history.
Full 2021–present history available — unlock this bank for $9 one-time.