State Hub
Banks in Florida
All FDIC-insured banks headquartered in Florida
Every FDIC-insured commercial bank headquartered in Florida, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. Click any bank for the full performance profile.
Florida is home to 90 FDIC-insured banks headquartered in the state, with $355.09B in combined assets and $296.27B in deposits. The largest is Southstate Bank, N.A. ($67.87B) — about 19% of the group's total banking assets , followed by Everbank, N.A. and Raymond James Bank . Across these banks, the asset-weighted return on assets is 1.16% and the median CET1 capital ratio is 14.69% .
Banks
90
Total Assets
$355.09B
Total Deposits
$296.27B
Avg ROA
1.16%
Median CET1
14.69%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| SOUTHSTATE BANK, N.A. | WINTER HAVEN , FL | $67.87B | 1.42% | 3.81% | 49.3% | 12.33% | 1.07% | 8.4% |
| EVERBANK, NATIONAL ASSOCIATION | JACKSONVILLE , FL | $47.23B | 0.93% | 2.70% | 51.3% | 12.52% | 0.69% | 13.4% |
| RAYMOND JAMES BANK | SAINT PETERSBURG , FL | $45.74B | 1.60% | 3.24% | 34.9% | 14.52% | 0.43% | 4.4% |
| BANKUNITED, NATIONAL ASSOCIATION | MIAMI LAKES , FL | $35.34B | 0.83% | 3.01% | 55.0% | 12.89% | 1.61% | 17.7% |
| CITY NATIONAL BANK OF FLORIDA | MIAMI , FL | $28.63B | 1.18% | 2.86% | 44.1% | 14.39% | 1.03% | 8.3% |
| SEACOAST NATIONAL BANK | STUART , FL | $21.13B | 0.62% | 3.78% | 54.0% | 13.87% | 0.84% | 5.5% |
| AMERANT BANK, NATIONAL ASSOCIATION | CORAL GABLES , FL | $9.88B | 0.87% | 3.53% | 64.1% | 12.72% | 2.57% | 18.5% |
| OCEAN BANK | MIAMI , FL | $7.53B | 1.07% | 3.38% | 62.5% | 11.56% | 0.38% | 2.9% |
| EMIGRANT BANK | MIAMI , FL | $5.85B | 0.48% | 4.19% | 89.5% | 17.90% | 4.31% | 15.2% |
| BANESCO USA | MIAMI , FL | $5.78B | 1.28% | 3.39% | 55.4% | — | 0.53% | 3.4% |
| BRADESCO BANK | CORAL GABLES , FL | $5.55B | 1.09% | 2.82% | 56.6% | 15.34% | 0.22% | 1.5% |
| CAPITAL CITY BANK | TALLAHASSEE , FL | $4.45B | 1.50% | 4.23% | 64.6% | 17.69% | 0.44% | 2.8% |
| FIRST FEDERAL BANK | LAKE CITY , FL | $4.38B | 1.22% | 3.29% | 65.8% | 21.03% | 0.89% | 12.1% |
| Citizens First Bank | The Villages , FL | $4.06B | 1.49% | 3.03% | 43.7% | 21.18% | 0.11% | 0.4% |
| FineMark National Bank & Trust | Fort Myers , FL | $3.93B | 0.01% | 2.12% | 106.3% | 18.27% | 0.03% | 0.2% |
| BANCO DO BRASIL AMERICAS | MIAMI , FL | $3.39B | 1.56% | 3.76% | 48.4% | 23.20% | 0.85% | 4.7% |
| BANK OF TAMPA, THE | TAMPA , FL | $3.07B | 1.20% | 3.53% | 57.6% | 14.81% | 0.50% | 3.2% |
| U.S. CENTURY BANK | MIAMI , FL | $2.84B | 1.54% | 3.31% | 46.5% | 12.74% | 0.19% | 1.5% |
| COGENT BANK | ORLANDO , FL | $2.44B | 2.09% | 4.58% | 46.3% | 10.86% | 0.25% | 1.9% |
| CREWS BANK & TRUST | WAUCHULA , FL | $2.36B | 1.78% | 3.72% | 56.8% | — | 0.04% | 0.2% |
| NEWTEK BANK, NATIONAL ASSOCIATION | MIAMI , FL | $2.16B | 4.27% | 4.28% | 40.0% | 11.08% | 5.66% | 46.6% |
| ONE FLORIDA BANK | ORLANDO , FL | $2.12B | 1.21% | 3.44% | 50.7% | 10.70% | 0.22% | 1.8% |
| PIBANK, NATIONAL ASSOCIATION | MIAMI , FL | $2.03B | -0.47% | 1.81% | 123.4% | 12.72% | 0.43% | 2.1% |
| CLIMATE FIRST BANK | SAINT PETERSBURG , FL | $1.75B | 1.27% | 3.81% | 50.9% | 9.95% | 0.03% | 0.2% |
| INTERNATIONAL FINANCE BANK | MIAMI , FL | $1.57B | 1.26% | 3.56% | 51.7% | 10.71% | 0.17% | 1.5% |
| PACIFIC NATIONAL BANK | MIAMI , FL | $1.51B | 1.13% | 3.39% | 56.9% | 15.40% | 0.05% | 0.3% |
| CITIZENS BANK AND TRUST | FROSTPROOF , FL | $1.48B | 1.41% | 3.11% | 67.0% | 12.50% | 0.89% | 11.3% |
| GROVE BANK & TRUST | MIAMI , FL | $1.41B | 0.69% | 2.62% | 73.2% | 15.62% | 0.00% | 0.0% |
| OPTIMUMBANK | FORT LAUDERDALE , FL | $1.27B | 1.67% | 4.40% | 49.8% | — | 0.20% | 1.6% |
| BANK OF CENTRAL FLORIDA | LAKELAND , FL | $1.25B | 1.26% | 3.61% | 60.0% | 12.04% | 0.21% | 1.7% |
| BAYFIRST NATIONAL BANK | SAINT PETERSBURG , FL | $1.19B | -1.79% | 3.40% | 141.0% | 8.58% | 2.12% | 23.6% |
| FIRST STATE BANK | KEY WEST , FL | $1.19B | 0.53% | 3.34% | 79.9% | 15.49% | 0.15% | 1.1% |
| HELM BANK USA | MIAMI , FL | $1.16B | 1.05% | 3.94% | 67.4% | 29.51% | 1.60% | 8.8% |
| SANIBEL CAPTIVA COMMUNITY BANK | SANIBEL , FL | $1.04B | 1.74% | 5.25% | 52.4% | 11.95% | 0.82% | 13.4% |
| BRANNEN BANK | INVERNESS , FL | $1.02B | 1.90% | 3.45% | 47.6% | 14.82% | 0.60% | 8.1% |
| PRIME MERIDIAN BANK | TALLAHASSEE , FL | $956.4M | -0.34% | 3.55% | 115.5% | 14.46% | 0.84% | 6.3% |
| MAINSTREET COMMUNITY BANK OF FLORIDA | DELAND , FL | $948.0M | 0.89% | 3.64% | 62.8% | — | 1.41% | 13.9% |
| TERRABANK, NATIONAL ASSOCIATION | MIAMI , FL | $869.3M | 0.67% | 3.46% | 74.0% | 10.73% | 0.03% | 0.2% |
| UNITED SOUTHERN BANK | UMATILLA , FL | $842.8M | 1.15% | 3.63% | 62.7% | — | 0.73% | 4.6% |
| WINTER PARK NATIONAL BANK | WINTER PARK , FL | $827.3M | 2.74% | 2.80% | 40.8% | 12.40% | 0.57% | 4.4% |
| FIRST BANK | CLEWISTON , FL | $822.6M | 1.44% | 4.22% | 54.7% | 14.74% | 0.04% | 0.2% |
| Heartland National Bank | Sebring , FL | $784.6M | 1.54% | 3.18% | 38.9% | 30.05% | 0.12% | 0.2% |
| AXIOM BANK, NATIONAL ASSOCIATION | MAITLAND , FL | $774.3M | -0.07% | 3.55% | 119.1% | — | 1.56% | 7.8% |
| FLAGSHIP BANK | CLEARWATER , FL | $761.7M | 0.95% | 3.42% | 64.3% | — | 0.14% | 0.9% |
| FLORIDA CAPITAL BANK, N.A. | JACKSONVILLE , FL | $713.8M | 0.96% | 3.82% | 71.3% | 15.15% | 0.24% | 1.7% |
| MARINE BANK & TRUST COMPANY | VERO BEACH , FL | $657.3M | 0.80% | 3.07% | 66.7% | 14.70% | 0.02% | 0.2% |
| FNBT BANK | FORT WALTON BEACH , FL | $653.6M | 1.56% | 3.26% | 59.7% | 28.12% | 0.00% | 0.0% |
| ANCHOR BANK | PALM BEACH GARDENS , FL | $606.9M | 1.06% | 3.08% | 57.9% | — | 0.13% | 1.2% |
| SUNRISE BANK | ORLANDO , FL | $599.8M | 1.26% | 3.32% | 62.1% | — | 0.00% | 0.9% |
| SUNSTATE BANK | MIAMI , FL | $568.9M | 0.75% | 3.34% | 75.1% | 13.43% | 0.09% | 0.5% |
| INTRACOASTAL BANK | PALM COAST , FL | $565.2M | 1.34% | 3.76% | 37.6% | 11.60% | 0.04% | 0.4% |
| EDISON NATIONAL BANK | FORT MYERS , FL | $476.9M | 0.67% | 2.99% | 84.0% | 28.22% | 0.00% | 0.0% |
| American National Bank | Oakland Park , FL | $452.4M | 0.83% | 2.89% | 63.7% | 17.72% | 0.00% | 0.0% |
| PARADISE BANK | BOCA RATON , FL | $444.9M | 1.93% | 4.70% | 60.6% | 12.12% | 0.09% | 0.9% |
| BANKFLORIDA | DADE CITY , FL | $438.8M | 1.27% | 4.13% | 55.8% | 14.54% | 0.00% | 0.0% |
| WATERFALL BANK | CLEARWATER , FL | $421.9M | -0.11% | 3.23% | 97.6% | 13.04% | 0.17% | 1.2% |
| TCM BANK, NATIONAL ASSOCIATION | TAMPA , FL | $391.2M | -1.08% | 6.20% | 91.1% | 20.91% | 0.15% | 4.8% |
| CENTRAL BANK | TAMPA , FL | $389.7M | 0.72% | 3.42% | 68.3% | 10.32% | 0.32% | 2.9% |
| GULFSIDE BANK | SARASOTA , FL | $362.3M | 1.28% | 3.75% | 55.6% | — | 0.02% | 0.1% |
| LOCALITY BANK | FORT LAUDERDALE , FL | $358.0M | 0.10% | 3.88% | 82.8% | — | 1.74% | 9.6% |
| FIRST NATIONAL BANK OF MOUNT DORA, THE | MOUNT DORA , FL | $354.9M | 0.87% | 3.25% | 80.5% | 17.80% | 0.57% | 2.1% |
| DESJARDINS BANK, NATIONAL ASSOCIATION | HALLANDALE , FL | $340.6M | 1.43% | 4.71% | 64.9% | — | 0.05% | 0.2% |
| INTERAMERICAN BANK, A FEDERAL SAVINGS BANK | MIAMI , FL | $335.8M | 0.56% | 3.51% | 80.5% | 18.50% | 1.65% | 8.7% |
| EVERMORE BANK | FORT LAUDERDALE , FL | $314.4M | 0.47% | 3.31% | 67.1% | 16.49% | 0.00% | 0.0% |
| FIRST COLONY BANK OF FLORIDA | MAITLAND , FL | $307.0M | 2.00% | 3.90% | 48.1% | 12.89% | 0.17% | 1.2% |
| DLP BANK | STARKE , FL | $305.1M | 0.92% | 5.03% | 69.2% | — | 3.26% | 11.3% |
| NATBANK, NATIONAL ASSOCIATION | HOLLYWOOD , FL | $291.9M | 0.41% | 4.06% | 84.3% | 63.45% | 0.40% | 1.0% |
| FIRST NATIONAL BANK OF PASCO | DADE CITY , FL | $286.3M | 0.36% | 3.72% | 88.7% | — | 0.42% | 3.4% |
| BANKMIAMI | CORAL GABLES , FL | $279.3M | -0.86% | 2.64% | 136.4% | 36.24% | 0.00% | 0.0% |
| COMMUNITY BANK OF THE SOUTH | MERRITT ISLAND , FL | $252.5M | 0.77% | 2.92% | 59.8% | 22.67% | 0.00% | 0.0% |
| LAFAYETTE STATE BANK | MAYO , FL | $245.5M | 1.28% | 5.33% | 66.0% | 14.20% | 0.23% | 3.7% |
| GULF ATLANTIC BANK | KEY WEST , FL | $245.2M | 0.84% | 4.40% | 69.8% | 10.50% | 0.00% | 0.0% |
| SURETY BANK | DELAND , FL | $222.9M | 1.62% | 3.39% | 67.6% | 23.65% | 0.25% | 1.0% |
| CYPRESS BANK & TRUST | MELBOURNE , FL | $221.1M | 1.27% | 3.83% | 78.7% | — | 0.00% | 0.0% |
| MADISON COUNTY COMMUNITY BANK | MADISON , FL | $210.0M | 0.71% | 3.68% | 73.5% | 14.28% | 0.27% | 2.4% |
| GULF COAST BUSINESS BANK | FORT MYERS , FL | $192.2M | 0.55% | 4.29% | 82.3% | — | 0.00% | 0.0% |
| COMMERCE BANK & TRUST | WINTER PARK , FL | $179.3M | 0.87% | 3.34% | 73.0% | 13.58% | 2.19% | 17.9% |
| WARRINGTON BANK, THE | PENSACOLA , FL | $172.3M | 0.64% | 2.92% | 72.5% | — | 0.00% | 0.0% |
| BANK OF BELLE GLADE | BELLE GLADE , FL | $155.9M | 1.06% | 3.38% | 59.6% | — | 0.09% | 0.4% |
| PNB COMMUNITY BANK | NICEVILLE , FL | $154.7M | 1.33% | 4.77% | 65.3% | — | 0.07% | 0.5% |
| BANK OF PENSACOLA | PENSACOLA , FL | $142.6M | 1.01% | 3.13% | 59.5% | — | 0.00% | 0.0% |
| PEOPLES BANK OF GRACEVILLE | GRACEVILLE , FL | $118.0M | 0.94% | 2.39% | 63.1% | 29.39% | 0.92% | 6.1% |
| CENTURY BANK OF FLORIDA | TAMPA , FL | $103.6M | 0.46% | 4.30% | 89.4% | 15.31% | 0.36% | 2.4% |
| FIRST NATIONAL BANK OF WAUCHULA | WAUCHULA , FL | $88.1M | 0.58% | 5.33% | 88.8% | — | 1.23% | 6.8% |
| RAYMOND JAMES TRUST, NATIONAL ASSOCIATION | SAINT PETERSBURG , FL | $82.3M | 19.86% | 3.22% | 78.4% | 221.35% | — | 0.0% |
| EASTERN NATIONAL BANK | MIAMI , FL | $73.5M | -7.19% | 4.32% | 277.8% | 14.67% | 0.08% | 0.5% |
| MEMBERS TRUST COMPANY | TAMPA , FL | $34.6M | -0.88% | 3.63% | 100.8% | — | — | 0.0% |
| GALA BANK | OCALA , FL | $34.1M | -2.13% | 4.73% | 164.0% | 36.49% | 0.00% | 0.0% |
| CHILTON TRUST COMPANY, NATIONAL ASSOCIATION | PALM BEACH , FL | $22.1M | 20.73% | 3.64% | 77.8% | 202.23% | — | 0.0% |
| CANANDAIGUA NATIONAL TRUST COMPANY OF FLORIDA | SARASOTA , FL | $6.2M | 14.26% | 1.03% | 63.5% | 219.20% | — | 0.0% |
Other states
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Florida bank rankings
See Florida banks ranked by the metrics that matter — size, profitability, capital, asset quality, and funding.
Largest Florida banks by assets Largest by deposits Highest ROA (return on assets) Highest ROE (return on equity) Highest net interest margin Highest CET1 capital ratio Highest leverage ratio Lowest Texas Ratio (safest) Highest Texas Ratio (riskiest) Highest uninsured-deposit ratio Highest loan-to-deposit ratio Most efficient (lowest efficiency ratio)
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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