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This institution is no longer active

Operations ceased on June 1, 2012. CRA examination history below reflects the period it was active.

VALRICO STATE BANK

VALRICO, FL · Supervised by FDIC

Est. 1989FDIC #27,536RSSD: FDIC-27536
Part ofCENTERSTATE BANKS INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.85%

Institution Profile

FDIC BankFind

Address

1815 East State Road 60, VALRICO, FL

County

Hillsborough County

Established

June 23, 1989

Total Assets

$193M(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

July 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 Q1 2012Call Report / FDIC

Total Assets

$193M

Total Deposits

$149M

Net Loans

$99M

Net Income

$401K

ROA

0.85%

ROE

3.84%

Risk-Based Capital

18.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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