This institution is no longer active

Operations ceased on May 1, 1995. CRA examination history below reflects the period it was active.

HUNTINGTON FEDERAL SAVINGS BANK

SEBRING, FL · Supervised by OTS

Est. 1955FDIC #30,865

Satisfactory Same

Current rating · Exam: January 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

HUNTINGTON FEDERAL SAVINGS BANK holds a Satisfactory CRA rating (1994).

Institution Profile

FDIC BankFind

Address

126 West Center Avenue, SEBRING, FL

County

Highlands County

Established

January 1, 1955

Total Assets

$275M(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

January 24, 1994

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 32 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	229	73.36%	7.86%
2020	406	76.11%	7.39%
2019	297	73.4%	10.44%
2018	364	76.65%	7.69%

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
Jan 1994	Satisfactory	Assessment Factor
Jul 1993	Satisfactory	Assessment Factor
Nov 1991	Needs to Improve	Assessment Factor

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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