MARINE BANK & TRUST COMPANY

VERO BEACH, FL | Medium | Est. July 1, 1997, midnight | FDIC #34233 | RSSD #2587916 | FDIC
Latest Report: 2025-12-31

MARINE BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in VERO BEACH, FL, established in July 1, 1997, midnight. As of 2025-12-31, the bank reported total assets of $657M and total deposits of $581M. Profitability stands at 0.80% ROA and 10.35% ROE, with a net interest margin of 3.16%. The bank's CET1 capital ratio is 14.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.17%. FDIC Certificate #34233.

Assets

$657M

Deposits

$581M

Loans

$476M

Equity

$52M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 10.35%
Net Interest Margin (NIM) 3.16%
Yield on Assets 5.06%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.17%
NPA Ratio 0.01%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 14.70%
Tier 1 Capital 14.70%
Total Capital Ratio 15.96%
Leverage Ratio 9.92%
Loan-to-Deposit 81.89%

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