This institution is no longer active

Operations ceased on August 7, 1998. CRA examination history below reflects the period it was active.

MARINE BANK

ST. PETERSBURG, FL · Supervised by FDIC

Est. 1986FDIC #26,826RSSD: FDIC-26826

Satisfactory Same

Current rating · Exam: November 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.39%

Institution Profile

FDIC BankFind

Address

9400 Ninth Street North, ST. PETERSBURG, FL

County

Pinellas County

Established

November 10, 1986

Total Assets

$62M(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

November 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$62M

Total Deposits

$46M

Net Loans

$36M

Net Income

$427K

ROA

1.39%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.29%

Risk-Based Capital

21.49%

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).

ROA1.39%Peer avg: 0.44%▲ Above avg

Risk-Based Capital21.49%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate19.23%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	52	63.46%	19.23%
2020	2,979	83.55%	7.92%
2019	1,763	77.54%	9.25%
2018	1,477	79.01%	10.09%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 1997	Satisfactory	Small Bank
Dec 1994	Satisfactory	Not Reported
May 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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