The First National Bank of Mount Dora
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Mount Dora is an FDIC-insured commercial bank headquartered in Mount Dora, FL, established in 1925 (FDIC certificate 3579), and it is supervised by the OCC. At Q2 2026 it reported total assets of $358.0M, down 4.1% from Q2 2025, the 53rd largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3579
- Headquarters
- Mount Dora, FL
- Established
- 1925
- Total assets, Q2 2026
- $358.0M
- Assets vs Q2 2025
- -4.1%
- Tier 1 leverage ratio, Q2 2026
- 12.31%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 063104312
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Mount Dora call report
- Holding company
- FNBMD BANCSHARES, INC.
- Asset rank in state
- 53rd of 81 in Florida
The First National Bank of Mount Dora spends more to run itself than most banks of its size. The Mount Dora, Florida bank had $358 million in assets at June 30, 2026, down 4.1% from a year earlier. It spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 1.03% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Earnings fell sharply: quarterly net income of $421,000 was 31% below a year earlier. Over the same year, loans grew 1.4% and deposits shrank 5.7%. Profitability lags: it earns about $0.47 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, The First National Bank of Mount Dora reported a return on assets of 0.47%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 1.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Mount Dora is the 53rd largest of the 81 banks headquartered in Florida. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $358.0M, loans rose 1.9% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.9% of total loans, followed by owner-occupied commercial real estate loans at 15.9%. Its 3 offices in the FDIC Summary of Deposits are in Mount Dora, FL and Sorrento, FL; its Mount Dora 2 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Mount Dora meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 714 N Donnelly St, Mount Dora, FL 32757
- County
- Lake
- Metro Area
- Orlando-Kissimmee-Sanford, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 1, 1925
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $317.6M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $356.1M
- Average total loans
- $138.7M
- Average interest-bearing deposits
- $180.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3579
- Fed RSSD
- 61832
- Website
- http://www.fnbmd.com →
- Parent Holding Company
- FNBMD BANCSHARES, INC. (RSSD 5113763)
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, The First National Bank of Mount Dora reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Mount Dora's total assets moved between a low of $351.4M (Q4 2024) and a high of $397.5M (Q1 2024) from Q3 2023 to Q2 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
$358.0M total assets against $373.2M; $320.9M total liabilities against $340.4M.
$137.4M net loans and leases against $135.6M; $317.6M total deposits against $336.8M.
$176.8M securities against $196.3M; $21.5M cash and balances due against $17.6M.
$3.7M total interest income against $3.6M; $829K total interest expense against $1.1M.
$2.9M net interest income against $2.5M.
$2.5M total noninterest income against $2.3M; $4.8M total noninterest expense against $4.1M.
$0 provision for credit losses against $0.
$421K net income against $611K.
0.47% return on assets against 0.66%; 3.41% net interest margin against 2.97%.
12.31% tier 1 leverage ratio against 11.65%.
Inside the full The First National Bank of Mount Dora terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Mount Dora rankings
Its closest position to the top of a national ranking is 2,202 of 4,196, for total assets; its furthest is 3,406 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.16% (Q4 2024) to 0.87% (Q1 2026) and its net interest margin ran from 2.67% (Q3 2024) to 3.41% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.31% | 0.47% | 0.41% | 1.45% | 3.41% |
| Q1 2026 | 12.43% | 0.87% | 0.57% | 2.06% | 3.25% |
| Q4 2025 | 11.72% | 0.44% | 0.55% | 1.88% | 3.02% |
| Q3 2025 | 11.64% | 0.46% | 0.12% | 0.41% | 2.78% |
| Q2 2025 | 11.65% | 0.66% | 0.32% | 1.26% | 2.97% |
| Q1 2025 | 12.12% | 0.63% | 0.34% | 1.29% | 2.80% |
| Q4 2024 | 11.63% | 0.16% | 0.21% | 0.76% | 2.71% |
| Q3 2024 | 11.82% | 0.74% | 0.22% | 0.71% | 2.67% |
Swipe the table sideways to see every column.
Branch 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 |
|---|---|---|---|
| The First National Bank of Mount Dora | Mount Dora , FL | 32757 | $196.8M |
| Sorrento Branch | Sorrento , FL | 32776 | $71.2M |
| Tri-City Branch | Mount Dora , FL | 32757 | $49.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 15, 2011, OCC: Formal Agreement: The First National Bank of Mount Dora
- Period: Most recent institution action September 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 98 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 58 applications, 37 loans originated, $15.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.5M approved, $2.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The First National Bank of Mount Dora
What are The First National Bank of Mount Dora's total assets?
As of the Q2 2026 filing, The First National Bank of Mount Dora reported total assets of $358.0 million in its FFIEC call report.
Where is The First National Bank of Mount Dora headquartered?
It is headquartered in Mount Dora, FL, United States.
When was The First National Bank of Mount Dora founded?
It was established in 1925, per the FDIC institution directory.
Is The First National Bank of Mount Dora FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3579). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Mount Dora?
The First National Bank of Mount Dora's primary federal regulator is the OCC.
How many branches does The First National Bank of Mount Dora 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 The First National Bank of Mount Dora's Texas Ratio?
Its Texas Ratio is 1.45% 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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