This institution is no longer active

Operations ceased on January 29, 2010. CRA examination history below reflects the period it was active.

FLORIDA COMMUNITY BANK

IMMOKALEE, FL · Supervised by FDIC

Est. 1923FDIC #5,672RSSD: FDIC-5672

Part ofFLORIDA COMMUNITY BANKS INC→ View all charters

Satisfactory Same

Current rating · Exam: September 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.37%

Is this bank safe?

FLORIDA COMMUNITY BANK holds a Satisfactory CRA rating (2008), shows financial metrics that merit closer review (ROA -5.37%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

1400 North 15th Street, IMMOKALEE, FL

County

Collier County

Established

July 7, 1923

Total Assets

$836M(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 5, 2008

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$836M

Total Deposits

$777M

Net Loans

$497M

Net Income

$-48,851K

ROA

-5.37%

Below avg for Small banks. Peer avg: 0.44%

ROE

-156.63%

Risk-Based Capital

0.60%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-5.37%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.60%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate11.05%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	1,041	68.78%	11.05%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2008	Satisfactory	Intermediate Small Bank
Jul 2005	Satisfactory	Large Bank
Feb 1999	Outstanding	Small Bank

3 previous ratings locked — 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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