SURETY BANK

DELAND, FL | Small | Est. Jan. 1, 1926, midnight | FDIC #33026 | RSSD #374774 | FDIC
Latest Report: 2025-12-31

SURETY BANK is asn small FDIC-insured commercial bank headquartered in DELAND, FL, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $193M and total deposits of $166M. Profitability stands at 2.52% ROA and 22.84% ROE, with a net interest margin of 2.83%. The bank's CET1 capital ratio is 25.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.10%. FDIC Certificate #33026.

Assets

$193M

Deposits

$166M

Loans

$90M

Equity

$22M

Profitability

Return on Assets (ROA) 2.52%
Return on Equity (ROE) 22.84%
Net Interest Margin (NIM) 2.83%
Yield on Assets 4.41%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.10%
NPA Ratio 0.14%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 25.46%
Tier 1 Capital 25.46%
Total Capital Ratio 26.48%
Leverage Ratio 13.95%
Loan-to-Deposit 54.03%

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