This institution is no longer active

Operations ceased on February 1, 2008. CRA examination history below reflects the period it was active.

THE HERNANDO COUNTY BANK

BROOKSVILLE, FL · Supervised by FDIC

Est. 1987FDIC #27,135RSSD: FDIC-27135

Part ofBRANNEN BANKS OF FLORIDA INC→ View all charters

Outstanding Same

Current rating · Exam: November 2004

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.87%

Is this bank safe?

THE HERNANDO COUNTY BANK earned an Outstanding CRA rating (2004), meets basic financial requirements (ROA +0.87%).

Institution Profile

FDIC BankFind

Address

1187 South Broad Street, BROOKSVILLE, FL

County

Hernando County

Established

December 23, 1987

Total Assets

$54M(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

November 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q4 2007Call Report / FDIC

Total Assets

$54M

Total Deposits

$49M

Net Loans

$41M

Net Income

$469K

ROA

0.87%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.03%

Risk-Based Capital

12.36%

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).

ROA0.87%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.36%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2004	Outstanding	Small Bank
Oct 1998	Outstanding	Small Bank
Nov 1995	Outstanding	Not Reported

1 previous rating locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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