Echelon Bank: Financial Reports & UBPR Data
BankRegReports is independent of Echelon Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Echelon Bank carries far more capital than most banks of its size. The Clearwater, Florida bank had $52 million in assets at June 30, 2026. It holds common equity equal to 176.30% of its risk-weighted assets, 8.0 times the median of 22.08% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
As of June 30, 2026, Echelon Bank reported a CET1 capital ratio of 176.30%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1901 Ulmerton Rd, Clearwater, FL 33762
- County
- Pinellas
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 27, 2026
- Offices
- 3 domestic
- Employees (FTE)
- 32
- Domestic deposits
- $23.5M
- Allowance for credit losses
- $42K
- Net charge-offs (YTD)
- $0
- Average total assets
- $40.3M
- Average total loans
- $2.5M
- Average interest-bearing deposits
- $11.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 27, 2026
- FDIC Cert
- 59377
- Fed RSSD
- 6062484
- Website
- www.echelon.bank →
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Inside the full Echelon Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Echelon Bank, freeEchelon Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Echelon Bank (main office) | Clearwater , FL | 33762 | $10.9M |
| Tarpon Springs Branch | Tarpon Springs , FL | 34689 | $9.2M |
| Bayshore Office Branch | Tampa , FL | 33629 | $3.4M |
Regulatory record
What the public regulatory sources show for Echelon Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 170 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2020-Q1 to 2025-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Echelon Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Echelon Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Echelon Bank
What are Echelon Bank's total assets?
As of the Q2 2026 filing, Echelon Bank reported total assets of $52.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Echelon Bank headquartered?
Echelon Bank is headquartered in Clearwater, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Echelon Bank founded?
Echelon Bank was established in 2026, per the FDIC institution directory.
Is Echelon Bank FDIC-insured?
Yes. Echelon Bank is an FDIC-insured commercial bank (FDIC Certificate #59377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Echelon Bank?
Echelon Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Echelon Bank's CET1 capital ratio?
Echelon Bank reported a Common Equity Tier 1 (CET1) capital ratio of 176.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Echelon Bank operate?
Echelon Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Echelon Bank's Texas Ratio?
Echelon Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Echelon Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Echelon Bank, freeFree account