FLAGSHIP BANK

CLEARWATER, FL | Medium | Est. Jan. 23, 2006, midnight | FDIC #58113 | RSSD #3404999 | FDIC
Latest Report: 2025-12-31

FLAGSHIP BANK is amn medium FDIC-insured commercial bank headquartered in CLEARWATER, FL, established in Jan. 23, 2006, midnight. As of 2025-12-31, the bank reported total assets of $739M and total deposits of $602M. Profitability stands at 1.08% ROA and 8.39% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 10.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.76%. FDIC Certificate #58113.

Assets

$739M

Deposits

$602M

Loans

$582M

Equity

$94M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 8.39%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.92%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.76%
NPA Ratio 0.10%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 10.46%
Tier 1 Capital 10.46%
Total Capital Ratio 10.99%
Leverage Ratio 11.78%
Loan-to-Deposit 96.63%

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