This institution is no longer active

Operations ceased on June 27, 2007. CRA examination history below reflects the period it was active.

UNITED HERITAGE BANK

ORLANDO, FL · Supervised by FDIC

Est. 2001FDIC #57,108RSSD: FDIC-57108

Part ofUNITED HERITAGE BANKSHARES FL→ View all charters

Satisfactory

Current rating · Exam: September 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.01%

Institution Profile

FDIC BankFind

Address

3378 Edgewater Drive, ORLANDO, FL

County

Orange County

Established

March 15, 2001

Total Assets

$791M(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

September 1, 2003

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 Q1 2007Call Report / FDIC

Total Assets

$791M

Total Deposits

$702M

Net Loans

$452M

Net Income

$2M

ROA

1.01%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.95%

Risk-Based Capital

13.00%

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).

ROA1.01%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.00%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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