This institution is no longer active

Operations ceased on October 7, 2022. CRA examination history below reflects the period it was active.

DRUMMOND COMMUNITY BANK

CHIEFLAND, FL · Supervised by FDIC

Est. 1990FDIC #32,737RSSD: FDIC-32737

Part ofDRUMMOND BANKING CO→ View all charters

Satisfactory Same

Current rating · Exam: September 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.06%

Is this bank safe?

DRUMMOND COMMUNITY BANK holds a Satisfactory CRA rating (2021), is financially strong (ROA +1.06%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

1627 N Young Blvd, CHIEFLAND, FL

County

Levy County

Established

January 12, 1990

Total Assets

$1.0B(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

September 1, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2022Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$879M

Net Loans

$578M

Net Income

$8M

ROA

1.06%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.40%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.06%Peer avg: 0.90%▲ Above avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate9.04%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	509	75.05%	9.04%
2021	577	70.19%	8.32%
2020	344	70.35%	9.88%
2019	218	75.23%	9.63%
2018	146	70.55%	15.07%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2021	Satisfactory	Intermediate Small Bank
Nov 2018	Satisfactory	Intermediate Small Bank
Jan 2016	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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