Crews Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Crews Bank & Trust is an FDIC-insured commercial bank headquartered in Wauchula, FL, established in 1929 (FDIC certificate 8021), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.33B, up 2.9% from Q2 2025, the 20th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8021
- Headquarters
- Wauchula, FL
- Established
- 1929
- Total assets, Q2 2026
- $2.33B
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 10.69%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 063104927
- Holding company
- CREWS BANKING CORPORATION
- Asset rank in state
- 20th of 81 in Florida
Crews Bank & Trust, based in Wauchula, Florida, reported $2.3 billion in assets at June 30, 2026, up 2.9% from a year earlier. It carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also earns about $2.03 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Net income for the quarter rose 17% from a year earlier, to $12 million. Over the same year, loans grew 6.4% and deposits grew 2.8%.
As of June 30, 2026, Crews Bank & Trust reported a return on assets of 2.03%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Crews Bank & Trust is the 20th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $2.33B, loans rose 2.2% and deposits fell 1.8%. Non-owner-occupied commercial real estate loans made up 38.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 33.9%. Its 20 offices in the FDIC Summary of Deposits are in 15 cities in FL; its Wauchula office books 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, Crews Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 E Main St, Wauchula, FL 33873
- County
- Hardee
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1929
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 359
- Domestic deposits
- $2.07B
- Allowance for credit losses
- $26.0M
- Net charge-offs (YTD)
- $137K
- Average total assets
- $2.34B
- Average total loans
- $1.32B
- Average interest-bearing deposits
- $1.35B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8021
- Fed RSSD
- 200435
- Website
- www.crews.bank →
- Parent Holding Company
- CREWS BANKING CORPORATION (RSSD 1081239)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Crews Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Crews Bank & Trust's total assets ran between $2.13B (Q4 2023) and $2.36B (Q1 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
$2.33B total assets against $2.27B; $2.09B total liabilities against $2.03B.
$1.31B net loans and leases against $1.23B; $2.07B total deposits against $2.02B.
$697.6M securities against $658.5M; $283.8M cash and balances due against $337.7M.
$29.0M total interest income against $27.9M; $7.2M total interest expense against $7.7M.
$21.7M net interest income against $20.1M.
$5.0M total noninterest income against $4.7M; $14.4M total noninterest expense against $14.1M.
$600K provision for credit losses against $600K.
$11.9M net income against $10.1M.
2.03% return on assets against 1.79%; 3.85% net interest margin against 3.67%.
10.69% tier 1 leverage ratio against 10.49%.
Inside the full Crews Bank & Trust 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.
Crews Bank & Trust rankings
Its closest position to the top of a national ranking is 452 of 3,611, for ROA; its furthest is 839 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q1 2025) to 2.03% (Q2 2026) and its net interest margin ran from 3.46% (Q1 2025) to 3.85% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.69% | 2.03% | 0.06% | 0.28% | 3.85% |
| Q1 2026 | 10.55% | 1.78% | 0.04% | 0.20% | 3.72% |
| Q4 2025 | 10.55% | 1.89% | 0.07% | 0.34% | 3.74% |
| Q3 2025 | 10.80% | 1.76% | 0.04% | 0.17% | 3.72% |
| Q2 2025 | 10.49% | 1.79% | 0.09% | 0.43% | 3.67% |
| Q1 2025 | 10.45% | 1.53% | 0.07% | 0.34% | 3.46% |
| Q4 2024 | 10.56% | 1.68% | 0.02% | 0.12% | 3.67% |
| Q3 2024 | 10.88% | 1.56% | 0.03% | 0.14% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 20 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 |
|---|---|---|---|
| Crews Bank & Trust (main office) | Wauchula , FL | 33873 | $466.4M |
| Englewood Bank Branch | Englewood , FL | 34223 | $192.1M |
| Punta Gorda Branch | Punta Gorda , FL | 33950 | $176.8M |
| Sebring Branch | Sebring , FL | 33870 | $143.5M |
| Lake Placid Branch | Lake Placid , FL | 33852 | $129.0M |
| Charlotte Bank Branch | Port Charlotte , FL | 33953 | $123.4M |
| Arcadia North Branch | Arcadia , FL | 34266 | $91.6M |
| Gulf Cove Branch | Port Charlotte , FL | 33981 | $89.5M |
| Mid-Town Branch | Port Charlotte , FL | 33952 | $89.4M |
| East Branch | Arcadia , FL | 34266 | $85.0M |
| Boca Grande Banking Center Branch | Boca Grande , FL | 33921 | $79.6M |
| Cape Haze Plaza Branch | Placida , FL | 33946 | $78.0M |
| Peachland Branch | Port Charlotte , FL | 33954 | $73.0M |
| Winter Haven Central Park | Winter Haven , FL | 33880 | $63.1M |
| Venice Branch | Venice , FL | 34285 | $50.0M |
| Lakeland Downtown Branch | Lakeland , FL | 33801 | $47.3M |
| Bowling Green Branch | Bowling Green , FL | 33834 | $36.2M |
| North Port Branch | North Port , FL | 34287 | $33.3M |
| Sarasota Downtown | Sarasota , FL | 34236 | $21.0M |
| South Port Square | Port Charlotte , FL | 33980 | $4.5M |
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 |
|---|---|---|---|
| September 23, 2023 | M&A | Acquired Crews Bank & Trust merger for the acquired bank | SEC |
| September 23, 2023 | Structure Change | Acquired Crews Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 22, 2023 | 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
- 0.2% of deposits in FL, rank 45 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 275 applications, 209 loans originated, $78.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $669K approved, $334K 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 Crews Bank & Trust
What are Crews Bank & Trust's total assets?
As of the Q2 2026 filing, Crews Bank & Trust reported total assets of $2.33 billion in its FFIEC call report.
Where is Crews Bank & Trust headquartered?
It is headquartered in Wauchula, FL, United States.
When was Crews Bank & Trust founded?
It was established in 1929, per the FDIC institution directory.
Is Crews Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8021). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crews Bank & Trust?
Crews Bank & Trust's primary federal regulator is the FDIC.
How many branches does Crews Bank & Trust operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crews Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.28% 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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