Members Trust Company
BankRegReports is independent of Members Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Members Trust Company is an FDIC-insured savings institution headquartered in Tampa, FL, established in 2003 (FDIC certificate 57470), and it is supervised by the OCC. At Q2 2026 it reported total assets of $34.3M, down 6.2% from Q2 2025, the 81st largest of 81 banks headquartered in Florida.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57470
- Headquarters
- Tampa, FL
- Established
- 2003
- Total assets, Q2 2026
- $34.3M
- Assets vs Q2 2025
- -6.2%
- Capital ratio
- Not reported
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 063192612
- Latest call report
- Q2 2026, FFIEC 041 · Members Trust Company call report
- Holding company
- CUNA MUTUAL INSURANCE SOCIETY
- Asset rank in state
- 81st of 81 in Florida
Members Trust Company spends more to run itself than most banks of its size. It reported $34 million in assets at June 30, 2026, down 6.2% from a year earlier. It loses about $1.36 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also pays an average of 3.98% on its deposits and borrowings, 2.6 times the median of 1.53% for banks its size.
It lost $112,000 in the quarter. Costs are the weak spot: it spends about 101 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Members Trust Company reported a return on assets of -1.36% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Members Trust Company ranks as the smallest of the 81 banks based in Florida, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $34.3M, deposits were flat. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 4 states; its Tampa office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Members Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 14055 Riveredge Dr, Tampa, FL 33637
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 30, 2003
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $32.9M
- Average total loans
- $0
- Average interest-bearing deposits
- $502K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 30, 2003
- FDIC Cert
- 57470
- Fed RSSD
- 3219269
- Website
- www.memberstrust.com →
- Parent Holding Company
- CUNA MUTUAL INSURANCE SOCIETY (RSSD 2506074)
Profitability
Q2 annualizedAsset Quality
Capital & 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. As a community bank leverage ratio filer, Members Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Members Trust Company's total assets moved between a low of $34.3M (Q2 2026) and a high of $40.8M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$34.3M total assets against $36.5M; $5.5M total liabilities against $6.6M.
$0 net loans and leases against $0; $500K total deposits against $500K.
$21.5M securities against $22.9M; $3.7M cash and balances due against $5.0M.
$235K total interest income against $282K; $5K total interest expense against $6K.
$230K net interest income against $276K.
$8.2M total noninterest income against $7.5M; $8.6M total noninterest expense against $8.4M.
No provision recorded in the last 12 quarters.
-$112K net income against -$535K.
-1.36% return on assets against -5.93%; 3.58% net interest margin against 3.87%.
91.41% tier 1 leverage ratio against 86.80%.
Inside the full Members Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMembers Trust Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -10.32% (Q3 2024) to 3.52% (Q4 2024) and its net interest margin ran from 3.58% (Q2 2026) to 4.22% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 91.41% | -1.36% | — | 0.00% | 3.58% |
| Q1 2026 | 90.56% | -0.88% | — | 0.00% | 3.63% |
| Q4 2025 | 86.43% | -3.87% | — | 0.00% | 3.90% |
| Q3 2025 | 85.88% | -7.75% | — | 0.00% | 3.82% |
| Q2 2025 | 86.80% | -5.93% | — | 0.00% | 3.87% |
| Q1 2025 | 85.39% | -7.34% | — | 0.00% | 4.00% |
| Q4 2024 | 87.68% | 3.52% | — | 0.00% | 3.96% |
| Q3 2024 | 84.75% | -10.32% | — | 0.00% | 4.22% |
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 |
|---|---|---|---|
| Members Trust Company (main office) | Tampa , FL | 33637 | $500K |
| Members Trust Admin Branch | Denver , CO | 80246 | $0 |
| Members Trust Admin Branch 2 Branch | Vienna , VA | 22030 | $0 |
| Members Trust Admin Branch 3 | El Paso , TX | 79901 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 26, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 184 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
Add this badge to your website
Free to use. It shows Members Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Members Trust Company with peers
Frequently asked about Members Trust Company
What are Members Trust Company's total assets?
As of the Q2 2026 filing, Members Trust Company reported total assets of $34.3 million in its FFIEC call report.
Where is Members Trust Company headquartered?
It is headquartered in Tampa, FL, United States.
When was Members Trust Company founded?
It was established in 2003, per the FDIC institution directory.
Is Members Trust Company FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #57470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Members Trust Company?
Members Trust Company's primary federal regulator is the OCC.
How many branches does Members Trust Company 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 Members Trust Company'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.
Go deeper on Members Trust Company.
Get an email when Members Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Members Trust Company, freeFree account