The Bank of Tampa: how it compares with its peers
Against 14 FL banks with half to twice its assets, The Bank of Tampa's strongest measure in Q2 2026 is return on assets (1.25% vs. a 1.34% peer median). Its weakest relative measure is efficiency ratio (57.96% vs. 54.52%).
| Measure | The Bank of Tampa | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.34% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.64% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.96% | 54.52% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.3M | $11.9M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.67% | 79.23% | Context |
What it means for lending operations
Its efficiency ratio of 57.96% is above the 54.52% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- U. S. Century Bank Doral, FL · $3.02B
- Banco do Brasil Americas Miami, FL · $3.47B
- Newtek Bank, National Association Miami, FL · $2.47B
- Cogent Bank Orlando, FL · $2.45B
- Pibank, National Association Miami, FL · $2.37B
- Crews Bank & Trust Wauchula, FL · $2.33B
Questions about The Bank of Tampa
How big is The Bank of Tampa?
The Bank of Tampa, established in 1973, is headquartered in Tampa, FL. It reported $3.02B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is The Bank of Tampa's return on assets?
1.25% annualized in Q2 2026, against a 1.34% median for 14 FL banks with half to twice its assets, ahead of 50% of them.
What is The Bank of Tampa's efficiency ratio?
57.96% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 54.52%, and lower is better.
Is The Bank of Tampa growing its loans?
Net loans grew 10.6% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.