First Colony Bank of Florida
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Data as of · sourced from FFIEC call reports. How we update
First Colony Bank of Florida is an FDIC-insured commercial bank headquartered in Maitland, FL, established in 2008 (FDIC certificate 58644), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $291.1M, down 3.3% from Q2 2025, the 60th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58644
- Headquarters
- Maitland, FL
- Established
- 2008
- Total assets, Q2 2026
- $291.1M
- Assets vs Q2 2025
- -3.3%
- CET1 ratio, Q2 2026
- 13.32%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063116504
- Latest call report
- Q2 2026, FFIEC 051 · First Colony Bank of Florida Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 60th of 81 in Florida
First Colony Bank of Florida is one of the more profitable banks of its size. It reported $291 million in assets at June 30, 2026, down 3.3% from a year earlier. It returns 23.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 4.6% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%). Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Its $30 million commercial and industrial book is improving, with 1.16% past due or on nonaccrual, down from 4.88% a year earlier. Net income for the quarter rose 11% from a year earlier, to $1.6 million. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First Colony Bank of Florida reported a CET1 capital ratio of 13.32%, a return on assets of 2.17%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Colony Bank of Florida is the 60th largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets fell 5.2% to $291.1M, loans were flat and deposits fell 6.2%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 39.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.6%. Its one office in the FDIC Summary of Deposits is in Maitland, FL. Judged on its Q2 2026 call report, First Colony Bank of Florida meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 711 N Orlando Ave, Maitland, FL 32751
- County
- Orange
- Metro Area
- Orlando-Kissimmee-Sanford, FL
- 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
- January 28, 2008
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $262.4M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $295.5M
- Average total loans
- $201.9M
- Average interest-bearing deposits
- $254.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 28, 2008
- FDIC Cert
- 58644
- Fed RSSD
- 3688548
- Website
- www.firstcolonybank.net →
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, First Colony Bank of Florida's total assets ranged from $270.4M (Q3 2023) to $322.1M (Q1 2024), 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
$291.1M total assets against $301.2M; $263.6M total liabilities against $276.5M.
$198.0M net loans and leases against $202.2M; $262.4M total deposits against $274.9M.
$53.1M securities against $52.7M; $37.6M cash and balances due against $43.2M.
$4.0M total interest income against $3.9M; $1.1M total interest expense against $1.2M.
$2.9M net interest income against $2.7M.
$84K total noninterest income against $87K; $1.4M total noninterest expense against $1.3M.
$0 provision for credit losses against $45K.
$1.6M net income against $1.4M.
2.17% return on assets against 1.95%; 4.10% net interest margin against 3.85%.
13.32% CET1 capital ratio against 12.19%; 9.94% tier 1 leverage ratio against 9.42%.
Inside the full First Colony Bank of Florida 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Colony Bank of Florida rankings
Its closest position to the top of a national ranking is 334 of 3,611, for ROA; its furthest is 2,621 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.67% (Q3 2024) to 2.17% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 4.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.32% | 2.17% | 0.17% | 1.13% | 4.10% |
| Q1 2026 | 12.89% | 2.00% | 0.17% | 1.18% | 3.90% |
| Q4 2025 | 13.50% | 2.07% | 0.18% | 1.17% | 4.01% |
| Q3 2025 | 12.93% | 2.04% | 0.00% | 0.00% | 4.03% |
| Q2 2025 | 12.19% | 1.95% | 0.00% | 0.00% | 3.85% |
| Q1 2025 | 12.00% | 1.83% | 0.47% | 3.41% | 3.74% |
| Q4 2024 | 12.37% | 2.13% | 0.00% | 0.00% | 3.77% |
| Q3 2024 | 11.91% | 1.67% | 0.00% | 0.00% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| First Colony Bank of Florida (main office) | Maitland , FL | 32751 | $262.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 108 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 First Colony Bank of Florida
What are First Colony Bank of Florida's total assets?
As of the Q2 2026 filing, First Colony Bank of Florida reported total assets of $291.1 million in its FFIEC call report.
Where is First Colony Bank of Florida headquartered?
It is headquartered in Maitland, FL, United States.
When was First Colony Bank of Florida founded?
It was established in 2008, per the FDIC institution directory.
Is First Colony Bank of Florida FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Colony Bank of Florida?
First Colony Bank of Florida's primary federal regulator is the FDIC.
What is First Colony Bank of Florida's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Colony Bank of Florida operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Colony Bank of Florida's Texas Ratio?
Its Texas Ratio is 1.13% 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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