Bank Comparison
American National Bank vs Bankflorida
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American National Bank | Bankflorida |
|---|---|---|
| CET1 Ratio | 17.72% | 14.54% |
| Tier 1 Capital Ratio | 17.72% | 14.54% |
| Total Capital Ratio | 18.32% | 15.79% |
| Tier 1 Leverage Ratio | 14.69% | 12.83% |
| Equity / Assets | 12.59% | 12.70% |
Profitability
| Metric | American National Bank | Bankflorida |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 1.27% |
| Return on Equity (ROE) | 6.46% | 10.96% |
| Net Interest Margin (NIM) | 2.89% | 4.13% |
| Yield on Earning Assets | 5.10% | 6.21% |
| Cost of Funds | 2.48% | 2.18% |
Asset quality
| Metric | American National Bank | Bankflorida |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.15% |
| ACL / Loans | 0.66% | 1.39% |
Balance sheet
| Metric | American National Bank | Bankflorida |
|---|---|---|
| Total Assets | $452,431K | $438,806K |
| Total Deposits | $387,449K | $366,852K |
| Total Loans | $317,292K | $341,703K |
| Total Equity | $56,950K | $55,715K |
| Net Income (quarter) | $900 | $1,370K |
Liquidity & funding
| Metric | American National Bank | Bankflorida |
|---|---|---|
| Loan-to-Deposit Ratio | 81.89% | 93.14% |
| Core Deposit Ratio | 89.57% | 88.76% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American National Bank | Bankflorida |
|---|---|---|
| Headquarters City | Oakland Park | DADE CITY |
| Headquarters State | FL | FL |
| Asset Tier | Small | Small |
| Charter Class | 18613 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 6 |
| Employees (FTE) | 29 | 52 |
| Established | Oct. 15, 1985, midnight | Aug. 27, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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