This institution is no longer active
Operations ceased on June 2, 1997. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 0.79%
Is this bank safe?
SOUTHTRUST BANK OF NORTHWEST FLORIDA earned an Outstanding CRA rating (1995), meets basic financial requirements (ROA +0.79%).
Institution Profile
FDIC BankFindAddress
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$407M
Total Deposits
$344M
Net Loans
$280M
Net Income
$788K
ROA
0.79%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.06%
Risk-Based Capital
11.54%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 1995 | Outstanding | Not Reported |
| Jul 1993 | Outstanding | Not Reported |
| Mar 1991 | Satisfactory | Not Reported |
Rating Over Time
🔒 LockedExam dates and details are paywalled
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