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Financial strength ranking · Florida · Call Report data as of Q2 2026

Best Banks in Florida by Financial Strength

Surety Bank ranks first among the 74 banks headquartered in Florida we score, with a financial strength score of 77.1 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
Surety Bank
Its score
77.1 of 100
Banks scored in Florida
74
Its return on assets
2.39%

Every scored bank in Florida

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Florida ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 Surety Bank Deland 77.1 2.39% 54.72% 13.24% 0.11% $213.7M
2 Optimumbank Fort Lauderdale 71.7 2.19% 44.77% 10.54% 0.16% $1.39B
3 Bankflorida Dade City 71.7 1.29% 53.55% 12.58% 0.00% $459.5M
4 Crews Bank & Trust Wauchula 71.3 2.03% 52.83% 10.69% 0.03% $2.33B
5 Anchor Bank Palm Beach Gardens 70.2 5.50% 27.52% 8.85% 0.09% $805.5M
6 First Colony Bank of Florida Maitland 69.5 2.17% 44.72% 9.94% 0.12% $291.1M
7 Gulfside Bank Sarasota 69.3 1.65% 48.54% 11.24% 0.13% $344.6M
8 Cogent Bank Orlando 65.4 2.30% 43.62% 9.72% 0.29% $2.45B
9 Evermore Bank Fort Lauderdale 64.8 0.91% 57.52% 13.52% 0.00% $316.9M
10 FNBT Bank Fort Walton Beach 64.6 1.46% 60.37% 11.08% 0.00% $628.5M
11 Banesco USA Miami 63.8 1.66% 52.47% 11.46% 0.33% $5.98B
12 U.S. Century Bank Miami 63.8 1.43% 45.20% 9.97% 0.07% $3.02B
13 Pacific National Bank Miami 61.2 1.16% 53.88% 10.80% 0.01% $1.61B
14 Paradise Bank Boca Raton 60.7 2.40% 57.18% 8.76% 0.04% $415.2M
15 Flagship Bank Clearwater 60.6 1.02% 56.56% 11.69% 0.01% $802.8M
16 Raymond James Bank Saint Petersburg 59.0 1.75% 34.98% 8.00% 0.23% $45.60B
17 Banco do Brasil Americas Miami 57.4 1.55% 51.43% 10.90% 0.54% $3.47B
18 Sunstate Bank Miami 57.4 1.27% 69.69% 11.45% 0.00% $580.4M
19 The Warrington Bank Pensacola 57.4 0.72% 70.85% 16.72% 0.00% $173.9M
20 City National Bank of Florida Miami 57.0 1.28% 42.17% 11.38% 0.75% $29.11B
21 Sanibel Captiva Community Bank Sanibel 57.0 2.07% 45.71% 9.92% 0.89% $976.2M
22 Natbank, N.A. Hollywood 57.0 0.64% 70.35% 29.81% 0.00% $296.5M
23 Brannen Bank Inverness 56.5 1.97% 46.89% 6.07% 0.27% $1.03B
24 Bank of Belle Glade Belle Glade 56.3 1.11% 58.94% 10.23% 0.00% $160.1M
25 SouthState Bank, N.A. Winter Haven 55.7 1.42% 48.91% 10.28% 0.42% $68.79B
26 The Bank of Tampa Tampa 55.6 1.25% 56.99% 10.97% 0.20% $3.02B
27 Desjardins Bank, N.A. Hallandale 55.5 1.14% 70.02% 19.31% 0.23% $362.1M
28 Climate First Bank Saint Petersburg 54.7 1.20% 51.33% 9.66% 0.11% $1.94B
29 Bank of Pensacola Pensacola 54.6 1.07% 57.52% 9.84% 0.00% $147.0M
30 Cypress Bank & Trust Melbourne 54.4 1.23% 79.46% 11.76% 0.00% $256.8M
31 First Bank Clewiston 54.1 1.50% 55.80% 9.70% 0.19% $810.5M
32 Intracoastal Bank Palm Coast 52.4 1.40% 63.26% 9.77% 0.03% $573.2M
33 Sunrise Bank Orlando 51.8 1.31% 57.63% 9.50% 0.08% $622.9M
34 Bank of Central Florida Lakeland 50.8 1.32% 52.67% 8.75% 0.14% $1.25B
35 United Southern Bank Umatilla 50.8 1.24% 60.55% 10.77% 0.24% $843.0M
36 Newtek Bank, N.A. Miami 50.7 4.89% 36.91% 8.66% 6.09% $2.47B
37 Community Bank of the South Merritt Island 49.2 0.95% 59.90% 9.49% 0.00% $266.5M
38 Capital City Bank Tallahassee 49.0 1.54% 64.69% 10.29% 0.30% $4.45B
39 Peoples Bank of Graceville Graceville 47.6 1.04% 61.34% 10.29% 0.13% $115.8M
40 Seacoast National Bank Stuart 46.1 1.14% 53.29% 9.84% 0.42% $21.34B
41 PNB Community Bank Niceville 45.9 1.11% 71.71% 10.32% 0.03% $155.2M
42 Central Bank Tampa 44.9 0.95% 59.30% 9.11% 0.03% $386.8M
43 Ocean Bank Miami 44.6 1.11% 58.75% 9.96% 0.31% $7.63B
44 Bradesco Bank Coral Gables 44.4 0.92% 61.90% 10.09% 0.13% $6.10B
45 International Finance Bank Miami 44.1 1.18% 53.98% 8.31% 0.25% $1.62B
46 Gulf Coast Business Bank Fort Myers 43.8 0.19% 89.81% 12.53% 0.00% $186.6M
47 DLP Bank Starke 42.7 0.93% 67.35% 15.32% 0.94% $301.4M
48 Citizens Bank and Trust Frostproof 40.8 1.35% 62.98% 8.04% 0.21% $1.48B
49 Waterfall Bank Clearwater 40.6 0.04% 93.86% 12.64% 0.02% $409.9M
50 Grove Bank & Trust Miami 38.9 0.66% 72.93% 9.96% 0.01% $1.41B
51 Bankmiami Coral Gables 38.7 -0.60% 116.48% 11.43% 0.00% $317.9M
52 The First National Bank of Mount Dora Mount Dora 38.2 0.47% 86.49% 12.31% 0.16% $358.0M
53 Axiom Bank, N.A. Maitland 38.1 0.40% 106.20% 11.69% 0.04% $732.4M
54 First Federal Bank Lake City 36.7 1.15% 66.04% 10.83% 0.95% $4.49B
55 Terrabank, N.A. Miami 36.5 0.76% 72.93% 9.83% 0.07% $897.7M
56 EverBank, N.A. Jacksonville 35.8 1.07% 51.78% 9.05% 1.14% $46.69B
57 Helm Bank USA Miami 35.0 1.01% 68.53% 11.18% 0.92% $1.19B
58 Lafayette State Bank Mayo 35.0 0.96% 72.47% 9.86% 0.24% $252.2M
59 Emigrant Bank Miami 34.6 0.70% 72.56% 20.30% 3.46% $5.68B
60 First State Bank Key West 33.5 0.51% 81.85% 10.32% 0.10% $1.18B
61 Florida Capital Bank, N.A. Jacksonville 33.2 0.79% 77.80% 9.77% 0.12% $713.1M
62 Edison National Bank Fort Myers 32.8 0.55% 81.84% 9.03% 0.00% $453.7M
63 MainStreet Community Bank of Florida Deland 32.7 1.21% 61.05% 9.45% 1.25% $953.4M
64 TCM Bank, N.A. Tampa 32.4 -1.18% 88.65% 18.27% 0.74% $382.4M
65 Madison County Community Bank Madison 31.4 0.87% 68.71% 8.42% 0.18% $211.7M
66 BankUnited, N.A. Miami Lakes 30.5 0.89% 57.68% 9.43% 1.16% $34.86B
67 Interamerican Bank, a Federal Savings Bank Miami 30.2 0.54% 80.24% 11.21% 0.48% $355.7M
68 Locality Bank Fort Lauderdale 29.5 0.50% 76.83% 12.91% 1.23% $396.2M
69 First National Bank of Pasco Dade City 28.1 0.37% 87.58% 10.23% 0.22% $280.0M
70 Gulf Atlantic Bank Key West 27.8 0.49% 78.86% 9.38% 0.15% $253.2M
71 Commerce Bank & Trust Winter Park 27.5 1.02% 68.91% 10.46% 2.26% $197.9M
72 PiBank, N.A. Miami 26.9 -0.48% 111.45% 9.71% 0.06% $2.37B
73 Amerant Bank, N.A. Coral Gables 25.5 0.93% 65.87% 9.88% 1.82% $10.27B
74 Century Bank of Florida Tampa 24.5 0.56% 87.31% 10.56% 0.60% $101.1M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Florida?

By our financial strength score, Surety Bank of Deland ranks first among the 74 scored banks headquartered in Florida, scoring 77.1 out of 100 for Q2 2026: return on assets of 2.39%, an efficiency ratio of 54.72%, a Tier 1 leverage ratio of 13.24% and nonperforming assets of 0.11% of total assets. Optimumbank and Bankflorida rank second and third.

How are the best banks in Florida ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in Florida

Largest banks in Florida Bank deposits in Florida Largest credit unions in Florida Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.