Florida Capital Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Florida Capital Bank, N.A. is an FDIC-insured commercial bank headquartered in Jacksonville, FL, established in 1985 (FDIC certificate 26323), and it is supervised by the OCC. At Q2 2026 it reported total assets of $713.1M, up 8.8% from Q2 2025, the 40th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 15.04% 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
- 26323
- Headquarters
- Jacksonville, FL
- Established
- 1985
- Total assets, Q2 2026
- $713.1M
- Assets vs Q2 2025
- +8.8%
- CET1 ratio, Q2 2026
- 15.04%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 063112142
- Latest call report
- Q2 2026, FFIEC 041 · Florida Capital Bank, N.A. call report
- Holding company
- FLORIDA CAPITAL GROUP, INC.
- Asset rank in state
- 40th of 81 in Florida
Florida Capital Bank, N.A. spends more to run itself than most banks of its size. Its balance sheet stood at $713 million at June 30, 2026, up 8.8% from a year earlier; it is based in Jacksonville, Florida. It spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter slipped 11% from a year earlier, to $1.4 million. Over the same year, loans grew 5.7% and deposits grew 9.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Florida Capital Bank, N.A. reported a CET1 capital ratio of 15.04%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
Florida Capital Bank, N.A. ranks as the 40th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $713.1M, loans rose 4.7% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.9%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in FL; its Jacksonville 2 offices book 73% of its branch deposits. On its Q2 2026 call report, Florida Capital Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
- County
- Duval
- Metro Area
- Jacksonville, 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 12, 1985
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 118
- Domestic deposits
- $639.8M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $726.8M
- Average total loans
- $517.0M
- Average interest-bearing deposits
- $324.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 12, 1985
- FDIC Cert
- 26323
- Fed RSSD
- 188430
- SEC CIK
- 1228444 → filed by FLORIDA CAPITAL GROUP, INC.
- Website
- www.flcb.com →
- Parent Holding Company
- FLORIDA CAPITAL GROUP, INC. (RSSD 3223828)
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
Over the 12 quarters to Q2 2026, Florida Capital Bank, N.A.'s total assets ran between $495.1M (Q4 2023) and $713.8M (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
$713.1M total assets against $655.2M; $643.2M total liabilities against $590.9M.
$534.5M net loans and leases against $505.5M; $639.8M total deposits against $585.9M.
$34.2M securities against $18.7M; $121.5M cash and balances due against $107.9M.
$9.1M total interest income against $8.7M; $2.4M total interest expense against $2.5M.
$6.8M net interest income against $6.2M.
$1.8M total noninterest income against $1.8M; $6.7M total noninterest expense against $5.8M.
$0 provision for credit losses against $125K.
$1.4M net income against $1.6M.
0.79% return on assets against 0.96%; 3.81% net interest margin against 3.77%.
15.04% CET1 capital ratio against 14.31%; 9.77% tier 1 leverage ratio against 9.65%.
Inside the full Florida Capital Bank, N.A. 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.
Florida Capital Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,353 of 4,196, for total assets; its furthest is 3,168 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q3 2024) to 1.41% (Q1 2025) and its net interest margin ran from 3.27% (Q4 2024) to 3.82% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.04% | 0.79% | 0.16% | 0.36% | 3.81% |
| Q1 2026 | 15.15% | 0.96% | 0.18% | 0.44% | 3.82% |
| Q4 2025 | 15.16% | 0.66% | 0.19% | 0.42% | 3.52% |
| Q3 2025 | 14.89% | 0.95% | 0.22% | 0.62% | 3.71% |
| Q2 2025 | 14.31% | 0.96% | 0.38% | 1.64% | 3.77% |
| Q1 2025 | 14.76% | 1.41% | 0.48% | 2.62% | 3.72% |
| Q4 2024 | 14.78% | 0.74% | 0.53% | 2.92% | 3.27% |
| Q3 2024 | 14.29% | 0.27% | 0.28% | 1.24% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Jacksonville Branch | Jacksonville , FL | 32256 | $464.3M |
| Orlando Branch | Orlando , FL | 32801 | $122.1M |
| Tampa Bay Area Branch | Tampa , FL | 33609 | $35.5M |
| Gainesville Branch | Gainesville , FL | 32601 | $18.0M |
| Florida Capital Bank, National Association | Jacksonville , FL | 32256 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC)
- April 13, 2020, OCC: Formal Agreement: Florida Capital Bank, National Association
- September 1, 2010, OCC: Capital Directive: Florida Capital Bank, National Association
- March 26, 2009, OCC: Formal Agreement: Florida Capital Bank, National Association
- August 28, 2002, OCC: Formal Agreement: First National Bank
- Period: Most recent institution action April 13, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 79 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Florida Capital Bank, N.A.
What are Florida Capital Bank, N.A.'s total assets?
As of the Q2 2026 filing, Florida Capital Bank, N.A. reported total assets of $713.1 million in its FFIEC call report.
Where is Florida Capital Bank, N.A. headquartered?
It is headquartered in Jacksonville, FL, United States.
When was Florida Capital Bank, N.A. founded?
It was established in 1985, per the FDIC institution directory.
Is Florida Capital Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Florida Capital Bank, N.A.?
Florida Capital Bank, N.A.'s primary federal regulator is the OCC.
What is Florida Capital Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Florida Capital Bank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Florida Capital Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.36% 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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