The Bank of Tampa: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 52.30 percentage points in Q2 2026, from 276.73% to 329.03%. It was the largest change from Q1 2026 among the key lines here. Within Florida, The Bank of Tampa is 27th of 79 on return on assets, 1.25% as of Q2 2026, above the middle of the field. At 1.25%, The Bank of Tampa's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.52% |
| Tier 1 risk-based capital ratio | 14.52% |
| Total risk-based capital ratio | 15.77% |
| Tier 1 leverage ratio | 10.97% |
| Equity capital to assets | 9.76% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.66% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 329.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 13.27% |
| Net interest margin | 3.60% |
| Efficiency ratio | 56.99% |
| Yield on earning assets | 4.66% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.69% |
| Core deposits to total deposits | 98.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.58% |
| Securities to assets | 25.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.90% | 13.90% | 14.92% | 8.78% | 0.78% |
| Q4 2023 | 14.04% | 14.04% | 15.13% | 8.74% | 0.68% |
| Q1 2024 | 13.77% | 13.77% | 14.89% | 9.18% | 0.86% |
| Q2 2024 | 14.22% | 14.22% | 15.38% | 9.38% | 1.07% |
| Q3 2024 | 14.27% | 14.27% | 15.46% | 9.81% | 1.13% |
| Q4 2024 | 14.62% | 14.62% | 15.82% | 9.89% | 1.17% |
| Q1 2025 | 14.45% | 14.45% | 15.68% | 10.23% | 1.10% |
| Q2 2025 | 14.54% | 14.54% | 15.79% | 10.43% | 1.22% |
| Q3 2025 | 14.78% | 14.78% | 16.03% | 10.49% | 1.22% |
| Q4 2025 | 14.84% | 14.84% | 16.09% | 10.57% | 1.15% |
| Q1 2026 | 14.81% | 14.81% | 16.06% | 10.82% | 1.20% |
| Q2 2026 | 14.52% | 14.52% | 15.77% | 10.97% | 1.25% |
The Bank of Tampa vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tampa, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Tampa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21031) · FFIEC NIC profile (RSSD 273336)