The Bank of Tampa
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Tampa is an FDIC-insured commercial bank headquartered in Tampa, FL, established in 1973 (FDIC certificate 21031), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.02B, up 0.6% from Q2 2025, the 15th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 14.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21031
- Headquarters
- Tampa, FL
- Established
- 1973
- Total assets, Q2 2026
- $3.02B
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 14.52%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 063108680
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Tampa Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- TAMPA BAY BANKING COMPANY
- Asset rank in state
- 15th of 81 in Florida
The Bank of Tampa, based in Tampa, Florida, reported $3.0 billion in assets at June 30, 2026. It pays an average of 1.14% on its deposits and borrowings, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 2.01%). It also lost 0.6% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Loans and deposits moved in opposite directions: over the year loans rose 10.6% and deposits fell 0.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $91 million equal 27% of Tier 1 capital, down from 39% a year earlier. One more trend to watch: the commercial and industrial book ($388 million) is worsening: 0.89% of it is past due or on nonaccrual, up from 0.28% a year earlier.
As of June 30, 2026, The Bank of Tampa reported a CET1 capital ratio of 14.52%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Tampa is the 15th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $3.02B, loans rose 5.5% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 26.7% of total loans, followed by 1-4 family residential loans at 22.1%. The FDIC Summary of Deposits lists 13 offices for it, in 8 cities in FL; its Tampa 6 offices book 68% of its branch deposits. On its Q2 2026 call report, The Bank of Tampa meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Bayshore Blvd, Tampa, FL 33606
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 30, 1973
- Former names
- The Bank of Tampa (1985); Independent Bank of Florida (1980-1985); Popular Bank of Tampa (1974-1980)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 295
- Domestic deposits
- $2.71B
- Allowance for credit losses
- $27.7M
- Net charge-offs (YTD)
- $272K
- Average total assets
- $3.07B
- Average total loans
- $2.02B
- Average interest-bearing deposits
- $1.65B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 30, 1973
- FDIC Cert
- 21031
- Fed RSSD
- 273336
- SEC CIK
- 1707724 → filed by TAMPA BAY BANKING COMPANY
- Website
- www.bankoftampa.com →
- Parent Holding Company
- TAMPA BAY BANKING COMPANY (RSSD 1246467)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Bank of Tampa's total assets moved between a low of $2.91B (Q2 2024) and a high of $3.09B (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.02B total assets against $3.01B; $2.73B total liabilities against $2.75B.
$2.05B net loans and leases against $1.85B; $2.71B total deposits against $2.73B.
$765.3M securities against $872.3M; $54.1M cash and balances due against $138.0M.
$33.7M total interest income against $32.6M; $7.7M total interest expense against $7.5M.
$26.0M net interest income against $25.1M.
$5.1M total noninterest income against $4.6M; $18.0M total noninterest expense against $17.2M.
$750K provision for credit losses against $599K.
$9.6M net income against $9.3M.
1.25% return on assets against 1.22%; 3.60% net interest margin against 3.51%.
14.52% CET1 capital ratio against 14.54%; 10.97% tier 1 leverage ratio against 10.43%.
Inside the full The Bank of Tampa terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
The Bank of Tampa rankings
Its closest position to the top of a national ranking is 71 of 980, for uninsured deposits; its furthest is 2,298 of 3,640, for Texas Ratio.
Metric pages for The Bank of Tampa: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q1 2025) to 1.25% (Q2 2026) and its net interest margin ran from 3.33% (Q1 2025) to 3.86% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.52% | 1.25% | 0.29% | 1.90% | 3.60% |
| Q1 2026 | 14.81% | 1.20% | 0.31% | 1.98% | 3.53% |
| Q4 2025 | 14.84% | 1.15% | 0.18% | 1.14% | 3.58% |
| Q3 2025 | 14.78% | 1.22% | 0.21% | 1.35% | 3.86% |
| Q2 2025 | 14.54% | 1.22% | 0.21% | 1.42% | 3.51% |
| Q1 2025 | 14.45% | 1.10% | 0.17% | 1.13% | 3.33% |
| Q4 2024 | 14.62% | 1.17% | 0.17% | 1.16% | 3.47% |
| Q3 2024 | 14.27% | 1.13% | 0.28% | 1.85% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Tampa | Tampa , FL | 33606 | $718.0M |
| Downtown Branch | Tampa , FL | 33602 | $389.4M |
| Brandon Branch | Brandon , FL | 33511 | $274.9M |
| Sunset Park Branch | Tampa , FL | 33629 | $261.5M |
| Armenia Branch | Tampa , FL | 33603 | $233.3M |
| Hillsboro Bank Branch | Plant City , FL | 33563 | $227.0M |
| Westshore Branch | Tampa , FL | 33607 | $120.5M |
| Carrollwood Village Office | Tampa , FL | 33618 | $113.5M |
| St. Pete Branch | Saint Petersburg , FL | 33701 | $87.8M |
| Clearwater Office | Clearwater , FL | 33756 | $87.3M |
| Bryan Dairy Office Branch | Largo , FL | 33777 | $87.0M |
| Downtown Sarasota Office | Sarasota , FL | 34236 | $72.5M |
| Lakewood Ranch Office Branch | Bradenton , FL | 34202 | $36.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired Hillsboro Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in FL, rank 35 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 385 applications, 251 loans originated, $148.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $16.3M approved, $740K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Tampa
What are The Bank of Tampa's total assets?
As of the Q2 2026 filing, The Bank of Tampa reported total assets of $3.02 billion in its FFIEC call report.
Where is The Bank of Tampa headquartered?
It is headquartered in Tampa, FL, United States.
When was The Bank of Tampa founded?
It was established in 1973, per the FDIC institution directory.
Is The Bank of Tampa FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Tampa?
The Bank of Tampa's primary federal regulator is the FDIC.
What is The Bank of Tampa's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Tampa operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Tampa's Texas Ratio?
Its Texas Ratio is 1.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of Tampa previously called?
The charter now named The Bank of Tampa has also operated as The Bank of Tampa (1985), Independent Bank of Florida (1980-1985), Popular Bank of Tampa (1974-1980), per FDIC structure-change records.
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