This institution is no longer active

Operations ceased on August 11, 1995. CRA examination history below reflects the period it was active.

KEY BISCAYNE BANK AND TRUST COMPANY

KEY BISCAYNE, FL · Supervised by FDIC

Est. 1964FDIC #19,061RSSD: FDIC-19061

Part ofKEY BISCAYNE BANKCORP INC→ View all charters

Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.84%

Is this bank safe?

KEY BISCAYNE BANK AND TRUST COMPANY earned an Outstanding CRA rating (1995), is financially strong (ROA +1.84%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

95 West Mcintyre Street, KEY BISCAYNE, FL

County

Miami-Dade County

Established

March 10, 1964

Total Assets

$144M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 10, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q2 1995Call Report / FDIC

Total Assets

$144M

Total Deposits

$119M

Net Loans

$46M

Net Income

$1M

ROA

1.84%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.36%

Risk-Based Capital

25.42%

Above 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).

ROA1.84%Peer avg: 0.44%▲ Above avg

Risk-Based Capital25.42%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1995	Outstanding	Not Reported
Jan 1994	Outstanding	Not Reported
Dec 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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