🏦Bank Scorer

ONE FLORIDA BANK

ORLANDO, FL · Supervised by FDIC

Est. 2008FDIC #58,811RSSD: FDIC-58811
Part ofOFB BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

1601 S Orange Ave, ORLANDO, FL

County

Orange County

Established

October 29, 2008

Total Assets

$2.1B(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

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.1B

Total Deposits

$1.9B

Net Loans

$1.7B

Net Income

$6M

ROA

1.22%

ROE

13.21%

Risk-Based Capital

11.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate2.17%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$1.7B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244686.96%2.17%
20235874.14%3.45%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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