Brannen Bank
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Data as of · sourced from FFIEC call reports. How we update
Brannen Bank is an FDIC-insured commercial bank headquartered in Inverness, FL, established in 1926 (FDIC certificate 5676), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.03B, up 4.0% from Q2 2025, the 31st largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 14.94% 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
- 5676
- Headquarters
- Inverness, FL
- Established
- 1926
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 14.94%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 063104626
- Latest call report
- Q2 2026, FFIEC 051 · Brannen Bank call report
- Holding company
- BRANNEN BANKS OF FLORIDA, INC.
- Asset rank in state
- 31st of 81 in Florida
Brannen Bank operates with a thinner capital cushion than most banks of its size. The Inverness, Florida bank had $1.0 billion in assets at June 30, 2026, up 4.0% from a year earlier. It funds 6.07% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it earns about $1.97 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Paper losses on its bond portfolio are shrinking: unrealized losses of $27 million equal 42% of Tier 1 capital, down from 50% a year earlier. Loans are outrunning deposits: over the year loans rose 7.4% and deposits rose 3.4%.
As of June 30, 2026, Brannen Bank reported a CET1 capital ratio of 14.94%, a return on assets of 1.97%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 6.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Brannen Bank is the 31st largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $1.03B, loans rose 2.3% and deposits rose 0.9%. 1-4 family residential loans made up 72.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 12.1%. Its 12 offices in the FDIC Summary of Deposits are in 8 cities in FL; its Inverness 3 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, Brannen Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 320 S Highway 41, Inverness, FL 34450
- County
- Citrus
- Metro Area
- Homosassa Springs, 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
- July 1, 1926
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $991.9M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.06B
- Average total loans
- $530.9M
- Average interest-bearing deposits
- $771.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5676
- Fed RSSD
- 760331
- Website
- www.brannenbanks.com →
- Parent Holding Company
- BRANNEN BANKS OF FLORIDA, INC. (RSSD 1082375)
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, Brannen Bank's total assets ranged from $860.3M (Q3 2023) to $1.07B (Q4 2025), 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
$1.03B total assets against $990.9M; $993.9M total liabilities against $961.3M.
$532.7M net loans and leases against $495.8M; $991.9M total deposits against $959.6M.
$245.9M securities against $236.1M; $241.8M cash and balances due against $249.2M.
$12.9M total interest income against $12.3M; $3.7M total interest expense against $3.6M.
$9.1M net interest income against $8.7M.
$737K total noninterest income against $664K; $4.6M total noninterest expense against $4.4M.
$40K provision for credit losses against $90K.
$5.2M net income against $4.9M.
1.97% return on assets against 1.98%; 3.51% net interest margin against 3.55%.
14.94% CET1 capital ratio against 14.91%; 6.07% tier 1 leverage ratio against 5.96%.
Inside the full Brannen Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBrannen Bank rankings
Its closest position to the top of a national ranking is 527 of 3,611, for ROA; its furthest is 904 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.82% (Q4 2024) to 2.04% (Q4 2025) and its net interest margin ran from 3.44% (Q4 2024) to 3.59% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.94% | 1.97% | 0.45% | 6.90% | 3.51% |
| Q1 2026 | 14.82% | 1.90% | 0.52% | 7.17% | 3.45% |
| Q4 2025 | 14.03% | 2.04% | 0.53% | 7.78% | 3.53% |
| Q3 2025 | 15.07% | 1.98% | 0.42% | 5.67% | 3.59% |
| Q2 2025 | 14.91% | 1.98% | 0.41% | 6.12% | 3.55% |
| Q1 2025 | 14.89% | 1.92% | 0.34% | 5.13% | 3.46% |
| Q4 2024 | 14.16% | 1.82% | 0.39% | 7.09% | 3.44% |
| Q3 2024 | 15.39% | 1.93% | 0.88% | 11.13% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Brannen Bank (main office) | Inverness , FL | 34450 | $284.9M |
| Dunnellon Branch | Dunnellon , FL | 34432 | $141.5M |
| Crystal River Branch | Crystal River , FL | 34429 | $121.3M |
| Homosassa Branch | Homosassa , FL | 34446 | $107.0M |
| Brooksville Branch | Brooksville , FL | 34601 | $103.4M |
| Beverly Hills Branch | Beverly Hills , FL | 34465 | $56.6M |
| West 50 Branch | Brooksville , FL | 34613 | $39.3M |
| Hernando Branch | Hernando , FL | 34442 | $36.3M |
| West Inverness Branch | Inverness , FL | 34453 | $35.8M |
| Floral City Branch | Floral City , FL | 34436 | $31.9M |
| Downtown Branch | Inverness , FL | 34450 | $31.2M |
| East Crystal River Branch | Crystal River , FL | 34429 | $2.8M |
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 |
|---|---|---|---|
| February 2, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2008 | Structure Change | Acquired Crystal River Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in FL, rank 66 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 389 applications, 308 loans originated, $106.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Brannen Bank
What are Brannen Bank's total assets?
As of the Q2 2026 filing, Brannen Bank reported total assets of $1.03 billion in its FFIEC call report.
Where is Brannen Bank headquartered?
It is headquartered in Inverness, FL, United States.
When was Brannen Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Brannen Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5676). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Brannen Bank?
Brannen Bank's primary federal regulator is the FDIC.
What is Brannen Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Brannen Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Brannen Bank's Texas Ratio?
Its Texas Ratio is 6.90% 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.
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