This institution is no longer active

Operations ceased on December 5, 2008. CRA examination history below reflects the period it was active.

MARINE BANK OF THE FLORIDA KEYS

MARATHON, FL · Supervised by FDIC

Est. 1995FDIC #33,996RSSD: FDIC-33996

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Outstanding Up

Current rating · Exam: May 2004

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.50%

Is this bank safe?

MARINE BANK OF THE FLORIDA KEYS earned an Outstanding CRA rating (2004), shows financial metrics that merit closer review (ROA -0.50%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

11290 Overseas Highway, MARATHON, FL

County

Monroe County

Established

March 27, 1995

Total Assets

$394M(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

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 Q3 2008Call Report / FDIC

Total Assets

$394M

Total Deposits

$305M

Net Loans

$307M

Net Income

$-1,455K

ROA

-0.50%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.95%

Risk-Based Capital

11.80%

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-0.50%Peer avg: 0.44%▼ Below avg

Risk-Based Capital11.80%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2004	Outstanding	Small Bank
Jan 1999	Satisfactory	Small Bank
Nov 1997	Satisfactory	Small Bank

1 previous rating locked — back to 1996

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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