← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Crews Bank & Trust

Wauchula, Florida · $2.33B in assets · beside the 11 other Florida banks between $1B and $3B

The filing

10.7%
Equity / assets
2nd of 12
+6.4%
Loans, year over year
10th of 12, largest first
64.4%
Loans / deposits
3rd of 12

Crews Bank & Trust is the fourth largest of the 12 Florida banks nearest its size between $1B and $3B, with $2.33B in assets at 30 June 2026. Loans are 64.4% of deposits, 3rd of 12 against a median of 78.8%, and equity is 10.7% of assets, 2nd of 12. Loans grew +6.4% in the year, 10th of 12, and deposits grew 2.8%; the cohort's median loan growth is +11.3%.

Noncurrent loans are 0.06% of the book, 3rd of 12 against a median of 0.17%; 0.52% is 30 to 89 days past due, and the allowance covers them 33.3 times. Commercial real estate is 45.4% of loans, 7th of 12 against a median of 43.4%, and 242% of capital, below the 300% screen, with construction at 25% against the 100% screen. CRE has grown +91.4% over 36 months, past the guidance's 50% prong.

Return on assets is 1.90%, 3rd of 12 against a median of 1.24%, on an efficiency ratio of 55.2%, 6th of 12. Five years ago it was 1.55%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsFL banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 9.4% PN Pacific National Bank 10.7% CB Crews Bank & Trust 10.7% CB Cogent Bank 9.9% GB Grove Bank & Trust 9.8% OF One Florida Bank 9.6% O Optimumbank 9.6% CF Climate First Bank 9.2% PN Pibank National Association 8.9% NB Newtek Bank National Association 8.3% IF International Finance Bank 8.2% Bo Bank of Central Florida 8.0% CB Citizens Bank & Trust 4.1%
Loans, year over yearFL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.3% NB Newtek Bank National Association +84.8% PN Pibank National Association +76.1% CF Climate First Bank +64.1% O Optimumbank +53.3% IF International Finance Bank +17.2% PN Pacific National Bank +11.3% GB Grove Bank & Trust +11.2% Bo Bank of Central Florida +8.3% OF One Florida Bank +7.0% CB Crews Bank & Trust +6.4% CB Citizens Bank & Trust +5.7% CB Cogent Bank +4.4%

SBA 7(a), FY2008 to FY2026

Crews Bank & Trust is the 172nd largest 7(a) lender into Florida of 528, with $13M across 15 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 2 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Polk, FL$6M32nd of 1291.0%thin
Charlotte, FL$3M25th of 991.2%thin
Highlands, FL$3M6th of 384.4%quiet FY2021
Sarasota, FL$560K107th of 1380.1%-0.1 pts
Brevard, FL$401K115th of 1290.1%thin
Manatee, FL$318K114th of 1320.0%quiet FY2022
Fort Bend, TX$212K168th of 1800.0%thin
Hardee, FL$135K10th of 110.9%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing4$4M26.3%0.01%837th of 2,246
Agriculture, forestry & fishing1$3M19.0%0.03%286th of 1,007
Administrative & waste services2$2M17.5%0.02%514th of 1,763
Construction1$2M12.9%0.01%973rd of 2,063
Professional & technical services1$1M9.9%0.00%893rd of 1,955
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Crews Bank & Trust
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans CB Crews Bank and Trust 0.0% $13M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Crews Bank & Trust among them; owner-occupied excluded; bold marks a screen met
Crews Bank & TrustRankCohort median
Total CRE against capital, the 300% screen242%4th of 12268%
Construction against capital, the 100% screen25%3rd of 1238%
Construction and land development, share of loans4.7%5th of 125.1%
Non-owner-occupied nonfarm nonresidential, share of loans38.6%9th of 1231.8%
Total CRE, the guidance definition, share of loans45.4%7th of 1243.4%
CRE growth over 36 months, the third prong+91.4%8th of 12+72.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Newtek Bank National Association$2.47B4.1%38.7%7.19%1.33%2.6%92.4%8.3%
Cogent Bank$2.45B2.2%45.4%0.39%0.09%1.1%83.5%9.9%
Pibank National Association$2.37B-0.4%116.9%0.13%0.04%1.4%54.0%8.9%
Crews Bank & Trust$2.33B1.9%55.2%0.06%0.02%1.9%64.4%10.7%
One Florida Bank$2.07B1.0%62.5%0.17%0.08%0.8%92.2%9.6%
Climate First Bank$1.94B1.2%51.2%0.12%0.12%1.0%108.4%9.2%
International Finance Bank$1.62B1.2%53.1%0.30%0.00%1.2%91.6%8.2%
Pacific National Bank$1.61B1.1%55.3%0.01%0.05%0.7%73.5%10.7%
Citizens Bank & Trust$1.48B1.4%65.6%0.35%0.06%1.1%63.2%4.1%
Grove Bank & Trust$1.41B0.7%73.4%0.01%0.02%1.4%71.8%9.8%
Optimumbank$1.39B1.9%47.1%0.18%0.00%0.9%98.8%9.6%
Bank of Central Florida$1.25B1.3%56.4%0.21%0.00%1.1%74.1%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Crews Bank & TrustCohort median
20212026Change20212026Change
Loans$511M$1.33B+161%$455M$1.27B+179%
Deposits$817M$2.07B+154%$752M$1.50B+100%
NPA / loans0.75%0.06%-0.69 pts0.13%0.17%+0.05 pts
Efficiency53.0%55.2%+2.2 pts66.7%55.2%-11.5 pts
ROA1.55%1.90%+0.34 pts0.83%1.24%+0.41 pts

This read was prepared for Crews Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Crews Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $1B to $3B
Institution www.crews.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue