Bank Safety Analysis
Is Echelon Bank Safe? Clearwater, Florida
Based on its Q3 2026 call report, Echelon Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Echelon Bank safe?
On its Q3 2026 call report, Echelon Bank's CET1 ratio is 97.25%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 97.25%
- Tier 1 leverage ratio (Q3 2026): 38.48%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Echelon Bank is an FDIC-insured commercial bank (FDIC Certificate #59377). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Echelon Bank (FDIC Certificate #59377) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Echelon Bank is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
The standout move of Q3 2026 was in CET1 ratio: 79.06 percentage points lower than in Q2 2026, at 97.25%. Echelon Bank has the highest CET1 ratio of the 55 banks headquartered in Florida, 97.25% as of Q3 2026. Echelon Bank's CET1 ratio of 97.25% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 77.29 points (Q3 2026).
By total assets at Q3 2026, Echelon Bank is the 76th largest of the 81 banks headquartered in Florida. Owner-occupied commercial real estate loans are its largest loan category, $9.6M of $18.2M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Echelon Bank's CET1 ratio of 97.25% is above the 19.96% median, Tier 1 leverage ratio of 38.48% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 524.24% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Echelon Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Echelon Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 97.25% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 31.07% | Within range |
| Commercial real estate to capital supervisory threshold | 21.88% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 2 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 97.25% |
| Q2 2026 | 176.30% |
Texas Ratio: last 2 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
Loans by type, Q3 2026
- Owner-occupied commercial real estate loans: $9.6M
- Non-owner-occupied commercial real estate loans: $5.3M
- 1-4 family residential loans: $1.4M
- Commercial and industrial loans: $883K
- Construction and land development loans: $760K
- Other revolving consumer credit: $251K
- Other consumer loans: $49K
How have Echelon Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $87.5M | 97.25% | 38.48% | 0.00% | 0.00% | 524.24% |
| Jun 30, 2026 | $52.2M | 176.30% | 67.36% | 0.00% | 0.00% | 2359.41% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Echelon Bank FDIC insured?
Yes. Echelon Bank is an FDIC-insured commercial bank (FDIC Certificate #59377). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Echelon Bank well capitalized?
On its Q3 2026 call report, Echelon Bank's CET1 ratio is 97.25%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Echelon Bank's key safety ratios?
For Q3 2026, Echelon Bank reports CET1 97.25%, leverage 38.48%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Echelon Bank fails?
For Q3 2026, Echelon Bank reported $58.7M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full Echelon Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 59377) · FFIEC NIC profile (RSSD 6062484)
Explore: Full Echelon Bank profile · Other banks in FL · Metric glossary · How the call report works