This institution is no longer active

Operations ceased on October 1, 2010. CRA examination history below reflects the period it was active.

WAKULLA BANK

CRAWFORDVILLE, FL · Supervised by FDIC

Est. 1974FDIC #21,777RSSD: FDIC-21777

Part ofWAKULLA BCORP→ View all charters

Satisfactory Same

Current rating · Exam: January 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.90%

Institution Profile

FDIC BankFind

Address

2932 Crawfordville Highway, CRAWFORDVILLE, FL

County

Wakulla County

Established

October 1, 1974

Total Assets

$402M(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

January 5, 2009

Exam Type

Intermediate Small 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 2010Call Report / FDIC

Total Assets

$402M

Total Deposits

$367M

Net Loans

$258M

Net Income

$-16,059K

ROA

-4.90%

Below avg for Small banks. Peer avg: 0.44%

ROE

-118.95%

Risk-Based Capital

2.24%

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-4.90%Peer avg: 0.44%▼ Below avg

Risk-Based Capital2.24%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2009	Satisfactory	Intermediate Small Bank
Sep 2005	Satisfactory	Small Bank
Jul 1999	Outstanding	Small Bank

3 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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