Edison National Bank
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Data as of · sourced from FFIEC call reports. How we update
Edison National Bank is an FDIC-insured commercial bank headquartered in Fort Myers, FL, established in 1997 (FDIC certificate 34489), and it is supervised by the OCC. At Q2 2026 it reported total assets of $453.7M, up 11.1% from Q2 2025, the 46th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 29.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34489
- Headquarters
- Fort Myers, FL
- Established
- 1997
- Total assets, Q2 2026
- $453.7M
- Assets vs Q2 2025
- +11.1%
- CET1 ratio, Q2 2026
- 29.49%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 067014301
- Latest call report
- Q2 2026, FFIEC 041 · Edison National Bank call report
- Holding company
- EDISON BANCSHARES, INC.
- Asset rank in state
- 46th of 81 in Florida
Edison National Bank, based in Fort Myers, Florida, reported $454 million in assets at June 30, 2026, up 11.1% from a year earlier. It keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 29.49% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Earnings fell sharply: quarterly net income of $640,000 was 39% below a year earlier. Over the same year, loans grew 1.7% and deposits grew 12.9%. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Edison National Bank reported a CET1 capital ratio of 29.49%, a return on assets of 0.55%, 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.
By total assets at Q2 2026, Edison National Bank is the 46th largest of the 81 banks headquartered in Florida. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.9% to $453.7M, loans rose 0.5% and deposits fell 5.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 58.9% of total loans, ahead of owner-occupied commercial real estate loans at 20.4%. Its 4 offices in the FDIC Summary of Deposits are in Fort Myers, FL, Sanibel, FL and Captiva, FL; its Fort Myers 2 offices book 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Edison National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 13000 S Cleveland Ave, Fort Myers, FL 33907
- County
- Lee
- Metro Area
- Cape Coral-Fort Myers, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 29, 1997
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $399.0M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $465.7M
- Average total loans
- $149.6M
- Average interest-bearing deposits
- $304.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 29, 1997
- FDIC Cert
- 34489
- Fed RSSD
- 2594419
- Website
- www.edisonnationalbank.com →
- Parent Holding Company
- EDISON BANCSHARES, INC. (RSSD 2591258)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Edison National Bank's total assets ranged from $408.0M (Q3 2025) to $476.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$453.7M total assets against $408.2M; $414.2M total liabilities against $372.9M.
$147.6M net loans and leases against $145.1M; $399.0M total deposits against $353.6M.
$107.3M securities against $77.3M; $182.9M cash and balances due against $170.0M.
$4.7M total interest income against $4.4M; $1.3M total interest expense against $1.1M.
$3.3M net interest income against $3.3M.
$182K total noninterest income against $677K; $2.9M total noninterest expense against $2.9M.
$0 provision for credit losses against $0.
$640K net income against $1.0M.
0.55% return on assets against 0.99%; 2.98% net interest margin against 3.26%.
29.49% CET1 capital ratio against 26.96%; 9.03% tier 1 leverage ratio against 9.06%.
Inside the full Edison National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEdison National Bank rankings
Its closest position to the top of a national ranking is 86 of 2,134, for CET1 ratio; its furthest is 3,419 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q2 2026) to 1.20% (Q3 2024) and its net interest margin ran from 2.98% (Q2 2026) to 3.66% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.49% | 0.55% | 0.00% | 0.00% | 2.98% |
| Q1 2026 | 28.22% | 0.67% | 0.00% | 0.00% | 2.99% |
| Q4 2025 | 25.76% | 0.62% | 0.00% | 0.00% | 3.15% |
| Q3 2025 | 26.53% | 0.65% | 0.00% | 0.00% | 3.26% |
| Q2 2025 | 26.96% | 0.99% | 0.00% | 0.00% | 3.26% |
| Q1 2025 | 26.33% | 0.60% | 0.00% | 0.00% | 3.26% |
| Q4 2024 | 24.66% | 0.74% | 0.00% | 0.00% | 3.44% |
| Q3 2024 | 25.20% | 1.20% | 0.00% | 0.00% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Edison National Bank (main office) | Fort Myers , FL | 33907 | $201.1M |
| Bank of the Islands Sanibel Branch | Sanibel , FL | 33957 | $118.0M |
| River District Office | Fort Myers , FL | 33901 | $65.8M |
| Captiva Island Branch | Captiva , FL | 33924 | $14.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 91 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9 applications, 6 loans originated, $4.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Edison National Bank
What are Edison National Bank's total assets?
As of the Q2 2026 filing, Edison National Bank reported total assets of $453.7 million in its FFIEC call report.
Where is Edison National Bank headquartered?
It is headquartered in Fort Myers, FL, United States.
When was Edison National Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Edison National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Edison National Bank?
Edison National Bank's primary federal regulator is the OCC.
What is Edison National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Edison National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Edison National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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