🏦Bank Scorer

WAUCHULA STATE BANK

WAUCHULA, FL · Supervised by FDIC

Est. 1929FDIC #8,021RSSD: FDIC-8021
Part ofCREWS BANKING CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.76%

Institution Profile

FDIC BankFind

Address

106 E Main St, WAUCHULA, FL

County

Hardee County

Established

April 1, 1929

Total Assets

$2.4B(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

July 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$2.1B

Net Loans

$1.3B

Net Income

$10M

ROA

1.76%

ROE

17.03%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate16.08%Peer avg: 9.91%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$2.0B

1-Year Change

0

5-year net change: +14 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202214372.73%16.08%
202133883.43%8.28%
202017771.75%12.99%
201916464.02%21.34%
201820665.53%18.45%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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