Echelon Bank
Echelon Bank is an FDIC-insured commercial bank headquartered in Clearwater, FL, supervised by the FDIC, with $87.5M in total assets at Q3 2026, the 76th largest of 81 banks headquartered in Florida. It was established in 2026 and holds FDIC certificate 59377.
BankRegReports is independent of Echelon Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59377
- Headquarters
- Clearwater, FL
- Established
- 2026
- Total assets, Q3 2026
- $87.5M
- Capital ratio
- Not reported
- Domestic offices
- 3 branches
- Routing number
- 063117189
- Latest call report
- Q3 2026, FFIEC 051 · Echelon Bank call report
- Asset rank in state
- 76th of 81 in Florida
Echelon Bank, based in Clearwater, Florida, reported $87 million in assets at September 30, 2026. It is losing 18.9% a year on shareholders' equity, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 8.8%). It also keeps 2.06 cents of net interest income on every dollar of earning assets, about half the median of 3.99 cents for banks its size.
It lost $1.3 million in the quarter. Funding is the softer spot: it pays an average of 3.17% on its deposits and borrowings, about double the median of 1.58% for banks its size.
As of September 30, 2026, Echelon Bank reported a CET1 capital ratio of 97.25%, a return on assets of -7.23%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Echelon Bank is the 76th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 67.7% to $87.5M, loans rose 380.6% and deposits rose 150.0%. The largest part of its loan book on September 30, 2026 was owner-occupied commercial real estate loans, at 52.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.0%. Its 3 offices in the FDIC Summary of Deposits are in Clearwater, FL, Tarpon Springs, FL and Tampa, FL; its Clearwater office books 46% of its branch deposits. On its Q3 2026 call report, Echelon Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1901 Ulmerton Rd, Clearwater, FL 33762
- County
- Pinellas
- 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
- May 27, 2026
- Domestic offices
- 3 branches
- Employees (FTE)
- 33
- Domestic deposits
- $58.7M
- Allowance for credit losses
- $201K
- Net charge-offs (YTD)
- $0
- Average total assets
- $71.3M
- Average total loans
- $9.9M
- Average interest-bearing deposits
- $37.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 27, 2026
- FDIC Cert
- 59377
- Fed RSSD
- 6062484
- Website
- www.echelon.bank →
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Inside the full Echelon Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBranch 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 |
|---|---|---|---|
| Echelon Bank (main office) | Clearwater , FL | 33762 | $10.9M |
| Tarpon Springs Branch | Tarpon Springs , FL | 34689 | $9.2M |
| Bayshore Office Branch | Tampa , FL | 33629 | $3.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 170 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2020-Q1 to 2025-Q2. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about Echelon Bank
What are Echelon Bank's total assets?
As of the Q3 2026 filing, Echelon Bank reported total assets of $87.5 million in its FFIEC call report.
Where is Echelon Bank headquartered?
It is headquartered in Clearwater, FL, United States.
When was Echelon Bank founded?
It was established in 2026, per the FDIC institution directory.
Is Echelon Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Echelon Bank?
Echelon Bank's primary federal regulator is the FDIC.
What is Echelon Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 97.25% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Echelon 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 Echelon Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
Go deeper on Echelon Bank.
Get an email when Echelon Bank files its next call report, and benchmark it against any peer you choose.
Unlock Echelon Bank, freeFree account