This institution is no longer active

Operations ceased on December 15, 2008. CRA examination history below reflects the period it was active.

VANGUARD BANK & TRUST COMPANY

VALPARAISO, FL · Supervised by FDIC

Est. 1922FDIC #11,290RSSD: FDIC-11290

Part ofSYNOVUS FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: August 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.39%

Institution Profile

FDIC BankFind

Address

23 John Sims Parkway, VALPARAISO, FL

County

Okaloosa County

Established

January 1, 1922

Total Assets

$625M(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

August 1, 2008

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 Q3 2008Call Report / FDIC

Total Assets

$625M

Total Deposits

$539M

Net Loans

$529M

Net Income

$-11,269K

ROA

-2.39%

Below avg for Small banks. Peer avg: 0.44%

ROE

-24.21%

Risk-Based Capital

10.36%

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).

ROA-2.39%Peer avg: 0.44%▼ Below avg

Risk-Based Capital10.36%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2008	Satisfactory	Large Bank
Apr 2005	Satisfactory	Large Bank
Mar 2002	Satisfactory	Large Bank

4 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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