The Bank of Tampa: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Bank of Tampa is the primary bank subsidiary of its parent holding company, headquartered in Tampa, FL, in the Tampa Bay metropolitan region. Total assets stand at $3.0B. The bank posts a strong 1.25% ROA and 13.27% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 14.52% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.40%. Its footprint covers 13 branches concentrated in Florida.
As of June 30, 2026, The Bank of Tampa reported a CET1 capital ratio of 14.52%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.40%, a Texas ratio of 2.66%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 601 Bayshore Blvd, Tampa, FL 33606
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 30, 1973
- Former names
- The Bank of Tampa (1985); Independent Bank of Florida (1980-1985); Popular Bank of Tampa (1974-1980)
- Offices
- 13 domestic
- Employees (FTE)
- 295
- Domestic deposits
- $2.71B
- Allowance for credit losses
- $27.7M
- Net charge-offs (YTD)
- $272K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 30, 1973
- FDIC Cert
- 21031
- Fed RSSD
- 273336
- SEC CIK
- 1707724 → filed by TAMPA BAY BANKING COMPANY
- Website
- www.bankoftampa.com →
- Parent Holding Company
- TAMPA BAY BANKING COMPANY (RSSD 1246467)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Tampa terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Tampa, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
The Bank of Tampa rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Bank of Tampa: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.52% | 1.25% | 0.40% | 2.66% | 3.60% |
| Q1 2026 | 14.81% | 1.20% | 0.50% | 3.20% | 3.53% |
| Q4 2025 | 14.84% | 1.15% | 0.57% | 3.68% | 3.58% |
| Q3 2025 | 14.78% | 1.22% | 0.46% | 3.03% | 3.86% |
| Q2 2025 | 14.54% | 1.22% | 0.48% | 3.29% | 3.51% |
| Q1 2025 | 14.45% | 1.10% | 0.28% | 1.94% | 3.33% |
| Q4 2024 | 14.62% | 1.17% | 0.21% | 1.44% | 3.47% |
| Q3 2024 | 14.27% | 1.13% | 0.29% | 1.92% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Tampa | Tampa , FL | 33606 | $718.0M |
| Downtown Branch | Tampa , FL | 33602 | $389.4M |
| Brandon Branch | Brandon , FL | 33511 | $274.9M |
| Sunset Park Branch | Tampa , FL | 33629 | $261.5M |
| Armenia Branch | Tampa , FL | 33603 | $233.3M |
| Hillsboro Bank Branch | Plant City , FL | 33563 | $227.0M |
| Westshore Branch | Tampa , FL | 33607 | $120.5M |
| Carrollwood Village Office | Tampa , FL | 33618 | $113.5M |
| St. Pete Branch | Saint Petersburg , FL | 33701 | $87.8M |
| Clearwater Office | Clearwater , FL | 33756 | $87.3M |
| Bryan Dairy Office Branch | Largo , FL | 33777 | $87.0M |
| Downtown Sarasota Office | Sarasota , FL | 34236 | $72.5M |
| Lakewood Ranch Office Branch | Bradenton , FL | 34202 | $36.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired Hillsboro Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Bank of Tampa, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in FL, rank 35 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 385 applications, 251 loans originated, $148.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of Tampa
What are The Bank of Tampa's total assets?
As of the Q2 2026 filing, The Bank of Tampa reported total assets of $3.02 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Tampa headquartered?
The Bank of Tampa is headquartered in Tampa, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Tampa founded?
The Bank of Tampa was established in 1973, per the FDIC institution directory.
Is The Bank of Tampa FDIC-insured?
Yes. The Bank of Tampa is an FDIC-insured commercial bank (FDIC Certificate #21031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Tampa?
The Bank of Tampa's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Tampa's CET1 capital ratio?
The Bank of Tampa reported a Common Equity Tier 1 (CET1) capital ratio of 14.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Tampa operate?
The Bank of Tampa operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Tampa's Texas Ratio?
The Bank of Tampa's Texas Ratio is 2.66% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Tampa previously called?
The charter now named The Bank of Tampa has also operated as The Bank of Tampa (1985), Independent Bank of Florida (1980-1985), Popular Bank of Tampa (1974-1980), per FDIC structure-change records.
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