Climate First Bank
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Data as of · sourced from FFIEC call reports. How we update
Climate First Bank is an FDIC-insured commercial bank headquartered in Saint Petersburg, FL, established in 2021 (FDIC certificate 59257), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.94B, the 21st largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 9.83% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59257
- Headquarters
- Saint Petersburg, FL
- Established
- 2021
- Total assets, Q2 2026
- $1.94B
- CET1 ratio, Q2 2026
- 9.83%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 063117011
- Holding company
- CLIMATE FIRST BANCORP, INC.
- Asset rank in state
- 21st of 81 in Florida
Climate First Bank pays more for its money than most banks of its size. The Saint Petersburg, Florida bank had $1.9 billion in assets at June 30, 2026, against $1.2 billion a year earlier. It pays an average of 3.63% on its deposits and borrowings, about double the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 9.83% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $5.5 million, 154% above the same quarter a year earlier. Delinquency has appeared in its $451 million commercial and industrial book: 0.52% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Climate First Bank reported a CET1 capital ratio of 9.83%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.06%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Climate First Bank is the 21st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.9% to $1.94B, loans rose 9.6% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 26.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.4%. Its 3 offices in the FDIC Summary of Deposits are in Saint Petersburg, FL, Winter Park, FL and Eustis, FL; its Saint Petersburg office books 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Climate First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 182 37th Ave N, Saint Petersburg, FL 33704
- County
- Pinellas
- 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
- June 1, 2021
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 162
- Domestic deposits
- $1.55B
- Allowance for credit losses
- $17.4M
- Net charge-offs (YTD)
- $1.0M
- Average total assets
- $1.82B
- Average total loans
- $1.59B
- Average interest-bearing deposits
- $1.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 1, 2021
- FDIC Cert
- 59257
- Fed RSSD
- 5592340
- SEC CIK
- 2030207 → filed by CLIMATE FIRST BANCORP, INC.
- Website
- www.climatefirstbank.com →
- Parent Holding Company
- CLIMATE FIRST BANCORP, INC. (RSSD 5720246)
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, Climate First Bank's total assets ranged from $464.3M (Q3 2023) to $1.94B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.94B total assets against $1.18B; $1.76B total liabilities against $1.07B.
$1.66B net loans and leases against $1.01B; $1.55B total deposits against $1.01B.
$3.4M securities against $3.5M; $217.3M cash and balances due against $124.8M.
$32.4M total interest income against $19.6M; $14.9M total interest expense against $9.7M.
$17.6M net interest income against $9.9M.
$2.4M total noninterest income against $1.2M; $10.2M total noninterest expense against $6.2M.
$2.4M provision for credit losses against $2.0M.
$5.5M net income against $2.1M.
1.20% return on assets against 0.79%; 3.91% net interest margin against 3.72%.
9.83% CET1 capital ratio against 9.37%; 9.66% tier 1 leverage ratio against 9.58%.
Inside the full Climate First Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Climate First Bank rankings
Its closest position to the top of a national ranking is 609 of 4,196, for total assets; its furthest is 2,111 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q1 2025) to 1.27% (Q1 2026) and its net interest margin ran from 3.21% (Q3 2024) to 3.96% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.83% | 1.20% | 0.12% | 1.06% | 3.91% |
| Q1 2026 | 9.95% | 1.27% | 0.03% | 0.25% | 3.81% |
| Q4 2025 | 9.37% | 1.17% | 0.00% | 0.00% | 3.96% |
| Q3 2025 | 9.16% | 1.25% | 0.00% | 0.00% | 3.84% |
| Q2 2025 | 9.37% | 0.79% | 0.00% | 0.00% | 3.72% |
| Q1 2025 | 9.84% | 0.48% | 0.00% | 0.00% | 3.21% |
| Q4 2024 | 9.22% | 0.89% | 0.00% | 0.00% | 3.35% |
| Q3 2024 | 9.30% | 0.62% | 0.00% | 0.00% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Climate First Bank (main office) | Saint Petersburg , FL | 33704 | $1.23B |
| Winter Park Branch | Winter Park , FL | 32789 | $241.0M |
| Mount Dora Branch | Eustis , FL | 32726 | $80.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in FL, rank 52 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 311 applications, 173 loans originated, $174.3M originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 89 loans, $119.0M approved, $1.3M 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 Climate First Bank
What are Climate First Bank's total assets?
As of the Q2 2026 filing, Climate First Bank reported total assets of $1.94 billion in its FFIEC call report.
Where is Climate First Bank headquartered?
It is headquartered in Saint Petersburg, FL, United States.
When was Climate First Bank founded?
It was established in 2021, per the FDIC institution directory.
Is Climate First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Climate First Bank?
Climate First Bank's primary federal regulator is the FDIC.
What is Climate First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.83% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Climate First Bank operate?
It 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 Climate First Bank's Texas Ratio?
Its Texas Ratio is 1.06% 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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