Liquidity & Balance Sheet · Florida
US Banks with Highest Loan-to-Deposit Ratio in Florida
Ranked among banks headquartered in Florida. Re-ranked 1-83 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:WATERFALL BANK — 111.15% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | WATERFALL BANK | CLEARWATER , FL | 111.15% | $422M |
| 2 | NATBANK, NATIONAL ASSOCIATION | HOLLYWOOD , FL | 106.57% | $292M |
| 3 | TCM BANK, NATIONAL ASSOCIATION | TAMPA , FL | 103.41% | $391M |
| 4 | CENTRAL BANK | TAMPA , FL | 101.91% | $390M |
| 5 | CLIMATE FIRST BANK | SAINT PETERSBURG , FL | 100.62% | $1.8B |
| 6 | OPTIMUMBANK | FORT LAUDERDALE , FL | 99.59% | $1.3B |
| 7 | LOCALITY BANK | FORT LAUDERDALE , FL | 99.39% | $358M |
| 8 | EVERBANK, NATIONAL ASSOCIATION | JACKSONVILLE , FL | 99.23% | $47.2B |
| 9 | DESJARDINS BANK, NATIONAL ASSOCIATION | HALLANDALE , FL | 97.48% | $341M |
| 10 | SANIBEL CAPTIVA COMMUNITY BANK | SANIBEL , FL | 95.11% | $1.0B |
| 11 | ANCHOR BANK | PALM BEACH GARDENS , FL | 94.36% | $607M |
| 12 | OCEAN BANK | MIAMI , FL | 93.66% | $7.5B |
| 13 | BANKFLORIDA | DADE CITY , FL | 93.14% | $439M |
| 14 | BRADESCO BANK | CORAL GABLES , FL | 92.77% | $5.5B |
| 15 | GULF ATLANTIC BANK | KEY WEST , FL | 92.66% | $245M |
| 16 | CITY NATIONAL BANK OF FLORIDA | MIAMI , FL | 92.35% | $28.6B |
| 17 | EVERMORE BANK | FORT LAUDERDALE , FL | 92.13% | $314M |
| 18 | GULF COAST BUSINESS BANK | FORT MYERS , FL | 91.12% | $192M |
| 19 | EMIGRANT BANK | MIAMI , FL | 91.05% | $5.9B |
| 20 | INTERNATIONAL FINANCE BANK | MIAMI , FL | 90.96% | $1.6B |
| 21 | ONE FLORIDA BANK | ORLANDO , FL | 89.89% | $2.1B |
| 22 | U.S. CENTURY BANK | MIAMI , FL | 89.19% | $2.8B |
| 23 | SOUTHSTATE BANK, N.A. | WINTER HAVEN , FL | 89.10% | $67.9B |
| 24 | RAYMOND JAMES BANK | SAINT PETERSBURG , FL | 88.63% | $45.7B |
| 25 | FLAGSHIP BANK | CLEARWATER , FL | 88.57% | $762M |
| 26 | SUNRISE BANK | ORLANDO , FL | 88.52% | $600M |
| 27 | COGENT BANK | ORLANDO , FL | 88.31% | $2.4B |
| 28 | NEWTEK BANK, NATIONAL ASSOCIATION | MIAMI , FL | 87.23% | $2.2B |
| 29 | FineMark National Bank & Trust | Fort Myers , FL | 87.16% | $3.9B |
| 30 | CYPRESS BANK & TRUST | MELBOURNE , FL | 86.95% | $221M |
| 31 | BAYFIRST NATIONAL BANK | SAINT PETERSBURG , FL | 85.65% | $1.2B |
| 32 | COMMERCE BANK & TRUST | WINTER PARK , FL | 85.40% | $179M |
| 33 | AMERANT BANK, NATIONAL ASSOCIATION | CORAL GABLES , FL | 84.98% | $9.9B |
| 34 | BANESCO USA | MIAMI , FL | 84.42% | $5.8B |
| 35 | PRIME MERIDIAN BANK | TALLAHASSEE , FL | 84.26% | $956M |
| 36 | INTRACOASTAL BANK | PALM COAST , FL | 82.65% | $565M |
| 37 | MARINE BANK & TRUST COMPANY | VERO BEACH , FL | 81.89% | $657M |
| 38 | American National Bank | Oakland Park , FL | 81.89% | $452M |
| 39 | BANKUNITED, NATIONAL ASSOCIATION | MIAMI LAKES , FL | 81.76% | $35.3B |
| 40 | MAINSTREET COMMUNITY BANK OF FLORIDA | DELAND , FL | 80.81% | $948M |
| 41 | FLORIDA CAPITAL BANK, N.A. | JACKSONVILLE , FL | 80.57% | $714M |
| 42 | INTERAMERICAN BANK, A FEDERAL SAVINGS BANK | MIAMI , FL | 77.97% | $336M |
| 43 | PNB COMMUNITY BANK | NICEVILLE , FL | 77.50% | $155M |
| 44 | FIRST STATE BANK | KEY WEST , FL | 77.32% | $1.2B |
| 45 | PACIFIC NATIONAL BANK | MIAMI , FL | 77.17% | $1.5B |
| 46 | GULFSIDE BANK | SARASOTA , FL | 76.96% | $362M |
| 47 | SEACOAST NATIONAL BANK | STUART , FL | 76.05% | $21.1B |
| 48 | FIRST NATIONAL BANK OF PASCO | DADE CITY , FL | 75.23% | $286M |
| 49 | TERRABANK, NATIONAL ASSOCIATION | MIAMI , FL | 74.99% | $869M |
| 50 | BANK OF CENTRAL FLORIDA | LAKELAND , FL | 73.84% | $1.3B |
| 51 | PARADISE BANK | BOCA RATON , FL | 73.08% | $445M |
| 52 | LAFAYETTE STATE BANK | MAYO , FL | 72.43% | $246M |
| 53 | FIRST COLONY BANK OF FLORIDA | MAITLAND , FL | 71.92% | $307M |
| 54 | BANK OF TAMPA, THE | TAMPA , FL | 71.38% | $3.1B |
| 55 | GROVE BANK & TRUST | MIAMI , FL | 70.40% | $1.4B |
| 56 | BANCO DO BRASIL AMERICAS | MIAMI , FL | 69.98% | $3.4B |
| 57 | AXIOM BANK, NATIONAL ASSOCIATION | MAITLAND , FL | 69.90% | $774M |
| 58 | SUNSTATE BANK | MIAMI , FL | 68.78% | $569M |
| 59 | CENTURY BANK OF FLORIDA | TAMPA , FL | 67.31% | $104M |
| 60 | CAPITAL CITY BANK | TALLAHASSEE , FL | 66.27% | $4.5B |
| 61 | FIRST BANK | CLEWISTON , FL | 65.26% | $823M |
| 62 | CREWS BANK & TRUST | WAUCHULA , FL | 61.84% | $2.4B |
| 63 | HELM BANK USA | MIAMI , FL | 61.66% | $1.2B |
| 64 | CITIZENS BANK AND TRUST | FROSTPROOF , FL | 61.05% | $1.5B |
| 65 | BANK OF PENSACOLA | PENSACOLA , FL | 60.83% | $143M |
| 66 | UNITED SOUTHERN BANK | UMATILLA , FL | 58.69% | $843M |
| 67 | WINTER PARK NATIONAL BANK | WINTER PARK , FL | 58.53% | $827M |
| 68 | MADISON COUNTY COMMUNITY BANK | MADISON , FL | 55.79% | $210M |
| 69 | BRANNEN BANK | INVERNESS , FL | 53.34% | $1.0B |
| 70 | INTERCREDIT BANK, NATIONAL ASSOCIATION | CORAL GABLES , FL | 51.59% | $2.0B |
| 71 | SURETY BANK | DELAND , FL | 49.33% | $223M |
| 72 | BANK OF BELLE GLADE | BELLE GLADE , FL | 48.22% | $156M |
| 73 | DLP BANK | STARKE , FL | 47.69% | $305M |
| 74 | FIRST NATIONAL BANK OF MOUNT DORA, THE | MOUNT DORA , FL | 43.37% | $355M |
| 75 | FNBT BANK | FORT WALTON BEACH , FL | 42.94% | $654M |
| 76 | FIRST FEDERAL BANK | LAKE CITY , FL | 39.54% | $4.4B |
| 77 | PEOPLES BANK OF GRACEVILLE | GRACEVILLE , FL | 37.79% | $118M |
| 78 | Citizens First Bank | The Villages , FL | 37.24% | $4.1B |
| 79 | WARRINGTON BANK, THE | PENSACOLA , FL | 36.07% | $172M |
| 80 | EDISON NATIONAL BANK | FORT MYERS , FL | 35.28% | $477M |
| 81 | COMMUNITY BANK OF THE SOUTH | MERRITT ISLAND , FL | 32.89% | $252M |
| 82 | BANKMIAMI | CORAL GABLES , FL | 31.74% | $279M |
| 83 | Heartland National Bank | Sebring , FL | 22.81% | $785M |
More Liquidity & Balance Sheet rankings
All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. 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.
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