Surety Bank
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Data as of · sourced from FFIEC call reports. How we update
Surety Bank is an FDIC-insured commercial bank headquartered in Deland, FL, established in 1926 (FDIC certificate 33026), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $213.7M, up 0.5% from Q2 2025, the 66th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 23.84% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33026
- Headquarters
- Deland, FL
- Established
- 1926
- Total assets, Q2 2026
- $213.7M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 23.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 263187320
- Holding company
- SURETY FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 66th of 81 in Florida
Surety Bank is one of the more profitable banks of its size. Its balance sheet stood at $214 million at June 30, 2026; it is based in Deland, Florida. It earns about $2.39 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 20.1% over the year, 3.7 times the median of 5.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 20.1% and deposits fell 1.8%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.22% of loans, down from 0.34% a year earlier.
As of June 30, 2026, Surety Bank reported a CET1 capital ratio of 23.84%, a return on assets of 2.39%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Surety Bank is the 66th largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets fell 4.1% to $213.7M, loans rose 3.9% and deposits fell 5.4%. Owner-occupied commercial real estate loans made up 42.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.4%. Its 2 offices in the FDIC Summary of Deposits are in Deland, FL and Pierson, FL; its Deland office books 92% of its branch deposits. By the capital ratios in its Q2 2026 call report, Surety Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 990 N Woodland Blvd, Deland, FL 32720
- County
- Volusia
- Metro Area
- Deltona-Daytona Beach-Ormond Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1926
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $189.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $215.7M
- Average total loans
- $100.8M
- Average interest-bearing deposits
- $126.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 17, 1990
- FDIC Cert
- 33026
- Fed RSSD
- 374774
- Website
- www.surety.bank →
- Parent Holding Company
- SURETY FINANCIAL HOLDINGS, INC. (RSSD 5808461)
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
Surety Bank's total assets moved between a low of $188.3M (Q3 2023) and a high of $222.9M (Q1 2026) from Q3 2023 to Q2 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
$213.7M total assets against $212.5M; $189.8M total liabilities against $193.2M.
$101.3M net loans and leases against $84.4M; $189.6M total deposits against $193.0M.
$32.0M securities against $29.9M; $70.4M cash and balances due against $87.7M.
$2.3M total interest income against $2.0M; $864K total interest expense against $703K.
$1.4M net interest income against $1.3M.
$1.8M total noninterest income against $1.9M; $1.8M total noninterest expense against $1.9M.
$130K provision for credit losses against $0.
$1.3M net income against $1.2M.
2.39% return on assets against 2.53%; 3.69% net interest margin against 3.95%.
23.84% CET1 capital ratio against 25.41%; 13.24% tier 1 leverage ratio against 13.37%.
Inside the full Surety Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSurety Bank rankings
Its closest position to the top of a national ranking is 207 of 3,611, for ROA; its furthest is 2,730 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.62% (Q1 2026) to 2.83% (Q3 2025) and its net interest margin ran from 3.39% (Q1 2026) to 3.95% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.84% | 2.39% | 0.22% | 0.90% | 3.69% |
| Q1 2026 | 23.65% | 1.62% | 0.25% | 1.04% | 3.39% |
| Q4 2025 | 25.46% | 2.53% | 0.29% | 1.10% | 3.90% |
| Q3 2025 | 27.05% | 2.83% | 0.34% | 1.24% | 3.53% |
| Q2 2025 | 25.41% | 2.53% | 0.34% | 1.44% | 3.95% |
| Q1 2025 | 25.93% | 2.09% | 0.45% | 1.51% | 3.56% |
| Q4 2024 | 27.88% | 2.48% | 0.45% | 1.58% | 3.59% |
| Q3 2024 | 24.45% | 2.32% | 0.46% | 1.60% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Surety Bank (main office) | Deland , FL | 32720 | $175.1M |
| Pierson Branch | Pierson , FL | 32180 | $14.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 128 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
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Frequently asked about Surety Bank
What are Surety Bank's total assets?
As of the Q2 2026 filing, Surety Bank reported total assets of $213.7 million in its FFIEC call report.
Where is Surety Bank headquartered?
It is headquartered in Deland, FL, United States.
When was Surety Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Surety Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Surety Bank?
Surety Bank's primary federal regulator is the FDIC.
What is Surety Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.84% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Surety Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Surety Bank's Texas Ratio?
Its Texas Ratio is 0.90% 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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