Bankflorida
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Data as of · sourced from FFIEC call reports. How we update
Bankflorida is an FDIC-insured commercial bank headquartered in Dade City, FL, established in 2007 (FDIC certificate 58537), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $459.5M, up 12.7% from Q2 2025, the 45th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 14.29% 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
- 58537
- Headquarters
- Dade City, FL
- Established
- 2007
- Total assets, Q2 2026
- $459.5M
- Assets vs Q2 2025
- +12.7%
- CET1 ratio, Q2 2026
- 14.29%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 067016367
- Latest call report
- Q2 2026, FFIEC 051 · Bankflorida call report
- Holding company
- BANKFLORIDA BANCORP, INC.
- Asset rank in state
- 45th of 81 in Florida
Bankflorida leans heavily on commercial real estate. Based in Dade City, Florida, it had $460 million in assets at June 30, 2026, up 12.7% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it 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 2.6%).
Earnings jumped: net income for the quarter was $1.4 million, 91% above the same quarter a year earlier. Over the same year, loans grew 15.4% and deposits grew 11.2%.
As of June 30, 2026, Bankflorida reported a CET1 capital ratio of 14.29%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Bankflorida ranks as the 45th largest of the 81 banks based in Florida, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.7% to $459.5M, loans rose 1.3% and deposits rose 6.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.7% of total loans, ahead of owner-occupied commercial real estate loans at 26.7%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in FL; its Dade City office books 37% of its branch deposits. On its Q2 2026 call report, Bankflorida meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12482 Us Highway 301, Dade City, FL 33525
- County
- Pasco
- 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
- —
- Call Report form
- FFIEC 051
- Established
- August 27, 2007
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $388.9M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- -$124K
- Average total assets
- $433.4M
- Average total loans
- $348.1M
- Average interest-bearing deposits
- $271.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 27, 2007
- FDIC Cert
- 58537
- Fed RSSD
- 3629484
- SEC CIK
- 1877507 → filed by BANKFLORIDA BANCORP, INC.
- Website
- www.bankflorida.com →
- Parent Holding Company
- BANKFLORIDA BANCORP, INC. (RSSD 5579604)
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
From Q3 2023 to Q2 2026, Bankflorida's total assets ranged from $321.5M (Q4 2023) to $459.5M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$459.5M total assets against $407.6M; $404.6M total liabilities against $365.3M.
$341.3M net loans and leases against $295.6M; $388.9M total deposits against $349.6M.
$0 securities against $27.6M; $84.3M cash and balances due against $50.0M.
$6.3M total interest income against $5.5M; $2.0M total interest expense against $2.2M.
$4.3M net interest income against $3.3M.
$160K total noninterest income against $120K; $2.4M total noninterest expense against $2.4M.
$47K provision for credit losses against $90K.
$1.4M net income against $731K.
1.29% return on assets against 0.73%; 4.24% net interest margin against 3.56%.
14.29% CET1 capital ratio against 11.38%; 12.58% tier 1 leverage ratio against 10.50%.
Inside the full Bankflorida 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bankflorida rankings
Its closest position to the top of a national ranking is 1,110 of 3,606, for efficiency ratio; its furthest is 3,418 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.47% (Q3 2024) to 1.29% (Q2 2026) and its net interest margin ran from 3.36% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.29% | 1.29% | 0.00% | 0.00% | 4.24% |
| Q1 2026 | 14.54% | 1.27% | 0.00% | 0.00% | 4.13% |
| Q4 2025 | 11.52% | 1.03% | 0.00% | 0.00% | 3.93% |
| Q3 2025 | 11.59% | 0.85% | 0.00% | 0.00% | 3.82% |
| Q2 2025 | 11.38% | 0.73% | 0.00% | 0.00% | 3.56% |
| Q1 2025 | 12.27% | 0.51% | 0.00% | 0.00% | 3.54% |
| Q4 2024 | 11.56% | -0.30% | 0.00% | 0.00% | 3.64% |
| Q3 2024 | 12.97% | -0.47% | 0.00% | 0.00% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Bankflorida (main office) | Dade City , FL | 33525 | $144.9M |
| Jupiter Branch | Jupiter , FL | 33458 | $77.1M |
| Kissimmee Branch | Kissimmee , FL | 34741 | $64.7M |
| St. Cloud Branch | Saint Cloud , FL | 34769 | $53.3M |
| Zephyrhills Branch | Zephyrhills , FL | 33541 | $34.9M |
| Plant City Branch | Plant City , FL | 33563 | $14.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 92 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Bankflorida
What are Bankflorida's total assets?
As of the Q2 2026 filing, Bankflorida reported total assets of $459.5 million in its FFIEC call report.
Where is Bankflorida headquartered?
It is headquartered in Dade City, FL, United States.
When was Bankflorida founded?
It was established in 2007, per the FDIC institution directory.
Is Bankflorida FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankflorida?
Bankflorida's primary federal regulator is the FDIC.
What is Bankflorida's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bankflorida operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bankflorida's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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