Florida bank rankings, Q2 2026
81 FDIC-insured banks are headquartered in Florida, holding $344.47B in combined assets as of Q2 2026. The median bank has $629M in assets, earns a 1.02% return on assets, and runs a 63.74% efficiency ratio.
Highest return on assets among community banks
- Anchor Bank Palm Beach Gardens 3.52%
- Paradise Bank Boca Raton 2.22%
- First Colony Bank of Florida Maitland 2.07%
- Surety Bank Deland 2.06%
- Brannen Bank Inverness 1.97%
- OptimumBank Fort Lauderdale 1.95%
- Crews Bank & Trust Wauchula 1.90%
- Sanibel Captiva Community Bank Sanibel 1.88%
- Banco do Brasil Americas Miami 1.57%
- FNBT BANK Fort Walton Beach 1.51%
Most efficient community banks (lowest efficiency ratio)
- Anchor Bank Palm Beach Gardens 33.89%
- U. S. Century Bank Doral 45.85%
- OptimumBank Fort Lauderdale 47.15%
- First Colony Bank of Florida Maitland 47.17%
- Brannen Bank Inverness 47.26%
- Intracoastal Bank Palm Coast 48.83%
- Sanibel Captiva Community Bank Sanibel 49.09%
- Banco do Brasil Americas Miami 49.94%
- Climate First Bank Saint Petersburg 51.15%
- Gulfside Bank Sarasota 51.77%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Florida bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| SouthState Bank, National Association Winter Haven | $68.79B | 1.42% | 49.65% | 3.86% |
| EverBank, National Association Jacksonville | $46.69B | 1.00% | 51.67% | 2.70% |
| Raymond James Bank Saint Petersburg | $45.60B | 1.67% | 35.38% | 3.19% |
| BankUnited, National Association Miami Lakes | $34.86B | 0.87% | 57.73% | 3.06% |
| City National Bank of Florida Miami | $29.11B | 1.24% | 43.19% | 2.97% |
| Seacoast National Bank Stuart | $21.34B | 0.88% | 54.17% | 3.83% |
| Amerant Bank, National Association Coral Gables | $10.27B | 0.90% | 65.00% | 3.57% |
| Ocean Bank Miami | $7.63B | 1.08% | 60.58% | 3.47% |
| Bradesco Bank Coral Gables | $6.10B | 1.03% | 59.34% | 2.96% |
| Banesco USA Miami | $5.98B | 1.47% | 53.87% | 3.52% |
| Emigrant Bank Miami | $5.68B | 0.60% | 79.91% | 4.59% |
| First Federal Bank Lake City | $4.49B | 1.19% | 66.69% | 3.32% |
| Capital City Bank Tallahassee | $4.45B | 1.52% | 64.75% | 4.33% |
| Banco do Brasil Americas Miami | $3.47B | 1.57% | 49.94% | 3.83% |
| The Bank of Tampa Tampa | $3.02B | 1.25% | 57.96% | 3.64% |
| U. S. Century Bank Doral | $3.02B | 1.49% | 45.85% | 3.49% |
| Newtek Bank, National Association Miami | $2.47B | 4.40% | 38.68% | 4.51% |
| Cogent Bank Orlando | $2.45B | 2.22% | 45.44% | 4.77% |
| Pibank, National Association Miami | $2.37B | -0.49% | 116.89% | 1.80% |
| Crews Bank & Trust Wauchula | $2.33B | 1.90% | 55.18% | 3.73% |
| Climate First Bank Saint Petersburg | $1.94B | 1.22% | 51.15% | 3.87% |
| International Finance Bank Miami | $1.62B | 1.20% | 52.84% | 3.53% |
| Pacific National Bank Miami | $1.61B | 1.15% | 55.31% | 3.43% |
| Citizens Bank and Trust Frostproof | $1.48B | 1.43% | 65.63% | 3.25% |
| Grove Bank & Trust Miami | $1.41B | 0.68% | 73.40% | 2.66% |
| OptimumBank Fort Lauderdale | $1.39B | 1.95% | 47.15% | 4.52% |
| Bank of Central Florida Lakeland | $1.25B | 1.32% | 56.37% | 3.74% |
| Helm Bank USA Miami | $1.19B | 1.09% | 68.21% | 4.15% |
| First State Bank Key West | $1.18B | 0.52% | 81.59% | 3.44% |
| BayFirst National Bank Saint Petersburg | $1.14B | -6.32% | 246.13% | 3.52% |
| Brannen Bank Inverness | $1.03B | 1.97% | 47.26% | 3.53% |
| Sanibel Captiva Community Bank Sanibel | $976M | 1.88% | 49.09% | 5.31% |
| Mainstreet Community Bank of Florida Deland | $953M | 1.06% | 61.92% | 3.81% |
| Terrabank, National Association Coral Gables | $898M | 0.71% | 73.44% | 3.60% |
| United Southern Bank Umatilla | $843M | 1.23% | 61.74% | 3.90% |
| First Bank Clewiston | $811M | 1.48% | 55.97% | 4.33% |
| Anchor Bank Palm Beach Gardens | $806M | 3.52% | 33.89% | 3.20% |
| Flagship Bank Clearwater | $803M | 0.96% | 60.30% | 3.42% |
| Axiom Bank, National Association Maitland | $732M | 0.17% | 112.31% | 4.04% |
| Florida Capital Bank, National Association Jacksonville | $713M | 0.98% | 74.39% | 4.22% |
| FNBT BANK Fort Walton Beach | $629M | 1.51% | 60.05% | 3.23% |
| Sunrise Bank Orlando | $623M | 1.29% | 59.76% | 3.47% |
| Sunstate Bank Miami | $580M | 1.01% | 72.30% | 3.51% |
| Intracoastal Bank Palm Coast | $573M | 1.39% | 48.83% | 3.88% |
| BankFlorida Dade City | $460M | 1.25% | 54.76% | 4.14% |
| Edison National Bank Fort Myers | $454M | 0.61% | 82.89% | 3.04% |
| Paradise Bank Boca Raton | $415M | 2.22% | 58.81% | 5.02% |
| Waterfall Bank Clearwater | $410M | -0.03% | 95.61% | 3.38% |
| Locality Bank Fort Lauderdale | $396M | 0.29% | 79.79% | 3.93% |
| Central Bank Tampa | $387M | 0.84% | 63.74% | 3.54% |
| TCM Bank, National Association Tampa | $382M | -1.14% | 89.87% | 6.04% |
| Desjardins Bank, National Association Hallandale | $362M | 1.25% | 67.43% | 4.47% |
| The First National Bank of Mount Dora Mount Dora | $358M | 0.67% | 84.73% | 3.29% |
| Interamerican Bank, A FSB Miami | $356M | 0.55% | 80.36% | 3.53% |
| Gulfside Bank Sarasota | $345M | 1.45% | 51.77% | 3.92% |
| BankMiami Coral Gables | $318M | -0.71% | 125.26% | 2.54% |
| Evermore Bank Fort Lauderdale | $317M | 0.70% | 62.02% | 3.50% |
| DLP Bank Starke | $301M | 0.84% | 68.30% | 4.49% |
| Natbank, National Association Hollywood | $297M | 0.53% | 77.12% | 4.30% |
| First Colony Bank of Florida Maitland | $291M | 2.07% | 47.17% | 3.88% |
| First National Bank of Pasco Dade City | $280M | 0.37% | 88.42% | 3.77% |
| Community Bank of the South Merritt Island | $266M | 0.85% | 60.11% | 2.99% |
| Cypress Bank & Trust Melbourne | $257M | 1.26% | 79.10% | 3.82% |
| Gulf Atlantic Bank Key West | $253M | 0.68% | 74.32% | 4.44% |
| Lafayette State Bank Mayo | $252M | 1.13% | 69.32% | 5.35% |
| Surety Bank Deland | $214M | 2.06% | 61.41% | 3.60% |
| Madison County Community Bank Madison | $212M | 0.83% | 72.01% | 3.86% |
| Commerce Bank & Trust Winter Park | $198M | 0.91% | 71.42% | 3.33% |
| Gulf Coast Business Bank Fort Myers | $187M | 0.37% | 85.88% | 4.22% |
| The Warrington Bank Pensacola | $174M | 0.68% | 71.65% | 3.07% |
| Bank of Belle Glade Belle Glade | $160M | 1.06% | 59.26% | 3.39% |
| PNB Community Bank Niceville | $155M | 1.24% | 68.51% | 4.84% |
| Bank of Pensacola Pensacola | $147M | 1.02% | 58.50% | 3.13% |
| Peoples Bank of Graceville Graceville | $116M | 1.02% | 63.00% | 2.50% |
| Century Bank of Florida Tampa | $101M | 0.50% | 88.46% | 4.44% |
| First National Bank of Wauchula Wauchula | $88M | 0.63% | 87.86% | 5.51% |
| Eastern National Bank Miami | $65M | -6.56% | 270.10% | 4.47% |
| Echelon Bank Clearwater | $52M | -8.19% | 2359.41% | 0.40% |
| Gala Bank Ocala | $45M | -1.98% | 157.30% | 4.82% |
| Portrait Bank Winter Park | $45M | -8.27% | 8077.42% | 0.15% |
| Members Trust Company Tampa | $34M | -1.07% | 101.01% | 3.86% |
Method
Banks are FDIC-insured institutions headquartered in Florida with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.