FIRST STATE BANK OF THE FLORIDA KEYS

KEY WEST, FL | Large | Est. Oct. 29, 1955, midnight | FDIC #17509 | RSSD #191935 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF THE FLORIDA KEYS is aln large FDIC-insured commercial bank headquartered in KEY WEST, FL, established in Oct. 29, 1955, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $1.0B. Profitability stands at 0.47% ROA and 5.21% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 15.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.93%. FDIC Certificate #17509.

Assets

$1.1B

Deposits

$1.0B

Loans

$834M

Equity

$105M

Profitability

Return on Assets (ROA) 0.47%
Return on Equity (ROE) 5.21%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.48%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.93%
NPA Ratio 0.09%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 15.30%
Tier 1 Capital 15.30%
Total Capital Ratio 16.51%
Leverage Ratio 10.59%
Loan-to-Deposit 82.26%

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