First National Bank of Pasco
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Pasco is an FDIC-insured commercial bank headquartered in Dade City, FL, established in 1986 (FDIC certificate 26829), and it is supervised by the OCC. At Q2 2026 it reported total assets of $280.0M, down 9.7% from Q2 2025, the 61st largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.23% 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
- 26829
- Headquarters
- Dade City, FL
- Established
- 1986
- Total assets, Q2 2026
- $280.0M
- Assets vs Q2 2025
- -9.7%
- Tier 1 leverage ratio, Q2 2026
- 10.23%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 063112728
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Pasco call report
- Holding company
- FLORIDA BANCSHARES, INC.
- Asset rank in state
- 61st of 81 in Florida
First National Bank of Pasco spends more to run itself than most banks of its size. The Dade City, Florida bank had $280 million in assets at June 30, 2026, down 9.7% from a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $263,000, 84% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 42% of Tier 1 capital, down from 50% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, First National Bank of Pasco reported a return on assets of 0.37%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 1.07%. The figures come from its call report filed with the FFIEC.
First National Bank of Pasco ranks as the 61st largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $280.0M, loans fell 6.7% and deposits fell 2.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.9% of total loans, followed by commercial and industrial loans at 28.3%. Its 4 offices in the FDIC Summary of Deposits are in Dade City, FL, Zephyrhills, FL and Lutz, FL; its Dade City office books 44% of its branch deposits. On its Q2 2026 call report, First National Bank of Pasco meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13315 Us Highway 301, Dade City, FL 33525
- County
- Pasco
- Metro Area
- Tampa-St. Petersburg-Clearwater, 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 051
- Established
- November 3, 1986
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $234.1M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $284.8M
- Average total loans
- $172.2M
- Average interest-bearing deposits
- $173.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 3, 1986
- FDIC Cert
- 26829
- Fed RSSD
- 82033
- Website
- www.fnbpasco.com/ →
- Parent Holding Company
- FLORIDA BANCSHARES, INC. (RSSD 2552400)
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, First National Bank of Pasco reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Pasco's total assets ran between $280.0M (Q2 2026) and $320.9M (Q3 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$280.0M total assets against $310.1M; $260.0M total liabilities against $292.2M.
$166.1M net loans and leases against $189.2M; $234.1M total deposits against $266.1M.
$59.8M securities against $63.7M; $34.5M cash and balances due against $31.9M.
$3.8M total interest income against $4.3M; $1.4M total interest expense against $1.6M.
$2.4M net interest income against $2.6M.
$364K total noninterest income against $613K; $2.5M total noninterest expense against $3.1M.
$0 provision for credit losses against $0.
$263K net income against $143K.
0.37% return on assets against 0.18%; 3.57% net interest margin against 3.49%.
10.23% tier 1 leverage ratio against 9.15%.
Inside the full First National Bank of Pasco 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.
First National Bank of Pasco rankings
Its closest position to the top of a national ranking is 2,556 of 4,196, for total assets; its furthest is 3,431 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.30% (Q3 2025) to 0.55% (Q3 2024) and its net interest margin ran from 3.21% (Q4 2024) to 3.72% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.23% | 0.37% | 0.36% | 1.07% | 3.57% |
| Q1 2026 | 10.04% | 0.36% | 0.36% | 1.27% | 3.72% |
| Q4 2025 | 9.63% | 0.31% | 0.35% | 1.27% | 3.64% |
| Q3 2025 | 9.28% | -0.30% | 0.38% | 1.35% | 3.30% |
| Q2 2025 | 9.15% | 0.18% | 0.40% | 3.67% | 3.49% |
| Q1 2025 | 9.18% | 0.15% | 0.07% | 0.68% | 3.35% |
| Q4 2024 | 9.26% | 0.04% | 0.06% | 0.57% | 3.21% |
| Q3 2024 | 9.36% | 0.55% | 0.04% | 0.39% | 3.45% |
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 |
|---|---|---|---|
| First National Bank of Pasco (main office) | Dade City , FL | 33525 | $102.2M |
| Land O Lakes Branch | Lutz , FL | 33559 | $55.5M |
| 54 West Branch | Zephyrhills , FL | 33542 | $52.7M |
| Zephyrhills Branch | Zephyrhills , FL | 33542 | $23.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- September 18, 2025, OCC: Formal Agreement: First National Bank of Pasco
- September 27, 2011, OCC: Formal Agreement: First National Bank of Pasco
- October 22, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank Of Pasco
- Period: Most recent institution action September 18, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 115 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 National Bank of Pasco
What are First National Bank of Pasco's total assets?
As of the Q2 2026 filing, First National Bank of Pasco reported total assets of $280.0 million in its FFIEC call report.
Where is First National Bank of Pasco headquartered?
It is headquartered in Dade City, FL, United States.
When was First National Bank of Pasco founded?
It was established in 1986, per the FDIC institution directory.
Is First National Bank of Pasco FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Pasco?
First National Bank of Pasco's primary federal regulator is the OCC.
How many branches does First National Bank of Pasco 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 First National Bank of Pasco's Texas Ratio?
Its Texas Ratio is 1.07% 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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