FLORIDA CAPITAL BANK, N.A.

JACKSONVILLE, FL | Medium | Est. Aug. 12, 1985, midnight | FDIC #26323 | RSSD #188430 | OCC
Latest Report: 2025-12-31

FLORIDA CAPITAL BANK, N.A. is amn medium FDIC-insured commercial bank headquartered in JACKSONVILLE, FL, established in Aug. 12, 1985, midnight. As of 2025-12-31, the bank reported total assets of $652M and total deposits of $581M. Profitability stands at 0.68% ROA and 6.60% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 15.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.30%. FDIC Certificate #26323.

Assets

$652M

Deposits

$581M

Loans

$500M

Equity

$67M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 6.60%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.76%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.30%
NPA Ratio 0.15%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 15.16%
Tier 1 Capital 15.16%
Total Capital Ratio 16.41%
Leverage Ratio 10.10%
Loan-to-Deposit 85.97%

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