This institution is no longer active

Operations ceased on January 31, 2023. CRA examination history below reflects the period it was active.

PROFESSIONAL BANK

CORAL GABLES, FL · Supervised by FDIC

Est. 2008FDIC #58,862RSSD: FDIC-58862

Part ofPROFESSIONAL HOLDING CORP→ View all charters

Satisfactory Same

Current rating · Exam: February 2014

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.06%

Is this bank safe?

PROFESSIONAL BANK holds a Satisfactory CRA rating (2014), is financially strong (ROA +1.06%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

396 Alhambra Cir, CORAL GABLES, FL

County

Miami-Dade County

Established

September 8, 2008

Total Assets

$2.6B(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

February 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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 Q4 2022Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.2B

Net Loans

$2.1B

Net Income

$28M

ROA

1.06%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.44%

Risk-Based Capital

12.50%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.06%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.50%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate6.53%Peer avg: 10.20%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	199	76.38%	6.53%
2021	180	66.67%	6.67%
2020	175	66.86%	9.14%
2019	159	71.7%	6.92%
2018	164	57.32%	14.02%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2014	Satisfactory	Small Bank
Feb 2010	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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