Bank Comparison
Ameris Bank vs City National Bank of Florida
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 7
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Ameris Bank | City National Bank of Florida |
|---|---|---|
| CET1 Ratio | 13.01% | 14.65% |
| Tier 1 Capital Ratio | 13.01% | 14.65% |
| Total Capital Ratio | 14.27% | 15.75% |
| Tier 1 Leverage Ratio | 11.41% | 11.38% |
| Equity / Assets | 14.31% | 10.60% |
Profitability
| Metric | Ameris Bank | City National Bank of Florida |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 1.28% |
| Return on Equity (ROE) | 5.73% | 12.30% |
| Net Interest Margin (NIM) | 3.92% | 2.92% |
| Yield on Earning Assets | 5.61% | 5.14% |
| Cost of Funds | 1.86% | 1.97% |
Asset quality
| Metric | Ameris Bank | City National Bank of Florida |
|---|---|---|
| Texas Ratio | 2.24% | 6.76% |
| Non-Performing Loan Ratio | 0.57% | 0.81% |
| Non-Performing Asset Ratio | 0.47% | 0.75% |
| Net Charge-Off Ratio | 0.20% | 0.10% |
| ACL / Loans | 1.59% | 1.09% |
Balance sheet
| Metric | Ameris Bank | City National Bank of Florida |
|---|---|---|
| Total Assets | $28.42B | $29.11B |
| Total Deposits | $22.69B | $22.11B |
| Total Loans | $22.66B | $20.60B |
| Total Equity | $4.07B | $3.09B |
| Net Income (quarter) | $58.2M | $93.4M |
Liquidity & funding
| Metric | Ameris Bank | City National Bank of Florida |
|---|---|---|
| Loan-to-Deposit Ratio | 99.85% | 93.21% |
| Core Deposit Ratio | 89.74% | 89.85% |
| Uninsured Deposit Ratio | 45.56% | 51.50% |
Identity
| Metric | Ameris Bank | City National Bank of Florida |
|---|---|---|
| Headquarters City | Atlanta | Miami |
| Headquarters State | GA | FL |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 176 | 30 |
| Employees (FTE) | 2,650 | 1,172 |
| Established | October 1, 1971 | August 12, 1970 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Ameris Bank profile | View full City National Bank of Florida profile | Browse all bank comparisons