Skip to main content

Capital · Florida

US Banks with Highest CET1 Capital Ratio in Florida

Ranked among banks headquartered in Florida. Re-ranked 1-63 within the state from the same national ranking population.

#1 CET1 Capital Ratio: NATBANK, NATIONAL ASSOCIATION — 63.45% . The Common Equity Tier 1 (CET1) ratio is the most-watched US bank capital metric, measuring common equity against risk-weighted assets.

Ranked: 63 banks with reported data Showing: Top 63 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry
# Bank HQ US Banks with … Total Assets
1 Natbank, N.A. Hollywood , FL 63.45% $291.9M
2 Bankmiami Coral Gables , FL 36.24% $279.3M
3 Heartland National Bank Sebring , FL 30.05% $784.6M
4 Helm Bank USA Miami , FL 29.51% $1.16B
5 Peoples Bank of Graceville Graceville , FL 29.39% $118.0M
6 Edison National Bank Fort Myers , FL 28.22% $476.9M
7 Fnbt Bank Fort Walton Beach , FL 28.12% $653.6M
8 Surety Bank Deland , FL 23.65% $222.9M
9 Banco Do Brasil Americas Miami , FL 23.20% $3.39B
10 Community Bank of the South Merritt Island , FL 22.67% $252.5M
Full financials, 24-year trends & peer benchmarks on every institution — free. Start free →
11 Citizens First Bank The Villages , FL 21.18% $4.06B
12 First Federal Bank Lake City , FL 21.03% $4.38B
13 Tcm Bank, N.A. Tampa , FL 20.92% $391.2M
14 Interamerican Bank, a Federal Savings Bank Miami , FL 18.50% $335.8M
15 FineMark National Bank & Trust Fort Myers , FL 18.27% $3.93B
16 Emigrant Bank Miami , FL 17.90% $5.85B
17 First National Bank of Mount Dora, the Mount Dora , FL 17.80% $354.9M
18 American National Bank Oakland Park , FL 17.72% $452.4M
19 Capital City Bank Tallahassee , FL 17.69% $4.45B
20 Evermore Bank Fort Lauderdale , FL 16.49% $314.4M
21 Grove Bank & Trust Miami , FL 15.62% $1.41B
22 First State Bank Key West , FL 15.49% $1.19B
23 Pacific National Bank Miami , FL 15.40% $1.51B
24 Bradesco Bank Coral Gables , FL 15.34% $5.55B
25 Century Bank of Florida Tampa , FL 15.31% $103.6M
26 Florida Capital Bank, N.A. Jacksonville , FL 15.15% $713.8M
27 Brannen Bank Inverness , FL 14.82% $1.02B
28 Bank of Tampa, the Tampa , FL 14.81% $3.07B
29 First Bank Clewiston , FL 14.74% $822.6M
30 Marine Bank & Trust Company Vero Beach , FL 14.70% $657.3M
31 Bankflorida Dade City , FL 14.54% $438.8M
32 Raymond James Bank Saint Petersburg , FL 14.52% $45.74B
33 Prime Meridian Bank Tallahassee , FL 14.46% $956.4M
34 City National Bank of Florida Miami , FL 14.39% $28.63B
35 Madison County Community Bank Madison , FL 14.28% $210.0M
36 Lafayette State Bank Mayo , FL 14.20% $245.5M
37 Seacoast National Bank Stuart , FL 13.87% $21.13B
38 Commerce Bank & Trust Winter Park , FL 13.58% $179.3M
39 Sunstate Bank Miami , FL 13.43% $568.9M
40 Waterfall Bank Clearwater , FL 13.04% $421.9M
41 BankUnited, N.A. Miami Lakes , FL 12.89% $35.34B
42 First Colony Bank of Florida Maitland , FL 12.89% $307.0M
43 U.S. Century Bank Miami , FL 12.74% $2.84B
44 Amerant Bank, N.A. Coral Gables , FL 12.72% $9.88B
45 Pibank, N.A. Miami , FL 12.72% $2.03B
46 Everbank, N.A. Jacksonville , FL 12.52% $47.23B
47 Citizens Bank and Trust Frostproof , FL 12.50% $1.48B
48 Winter Park National Bank Winter Park , FL 12.40% $827.3M
49 Southstate Bank, N.A. Winter Haven , FL 12.33% $67.87B
50 Paradise Bank Boca Raton , FL 12.12% $444.9M
51 Bank of Central Florida Lakeland , FL 12.04% $1.25B
52 Sanibel Captiva Community Bank Sanibel , FL 11.95% $1.04B
53 Intracoastal Bank Palm Coast , FL 11.60% $565.2M
54 Ocean Bank Miami , FL 11.56% $7.53B
55 Newtek Bank, N.A. Miami , FL 11.08% $2.16B
56 Cogent Bank Orlando , FL 10.86% $2.44B
57 Terrabank, N.A. Miami , FL 10.73% $869.3M
58 International Finance Bank Miami , FL 10.71% $1.57B
59 One Florida Bank Orlando , FL 10.70% $2.12B
60 Gulf Atlantic Bank Key West , FL 10.50% $245.2M
61 Central Bank Tampa , FL 10.32% $389.7M
62 Climate First Bank Saint Petersburg , FL 9.95% $1.75B
63 Bayfirst National Bank Saint Petersburg , FL 8.58% $1.19B

More Capital rankings

Go past the leaderboard — open any bank for its full financials, 24-year trends, and peer percentiles. Free, no card required.

Start free — no card required

All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

Explore more: all rankings · glossary · browse all banks