This institution is no longer active

Operations ceased on January 3, 1997. CRA examination history below reflects the period it was active.

TOMOKA STATE BANK

ORMOND BEACH, FL · Supervised by FDIC

Est. 1990FDIC #32,942RSSD: FDIC-32942

Part ofTOMOKA BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: November 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

201 South Nova Road, ORMOND BEACH, FL

County

Volusia County

Established

May 4, 1990

Total Assets

$76M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q4 1996Call Report / FDIC

Total Assets

$76M

Total Deposits

$68M

Net Loans

$51M

Net Income

$946K

ROA

1.34%

ROE

16.13%

Risk-Based Capital

11.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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