The catalogue › United States › Southeast › Florida
The state note · prepared 7 September 2026

Florida

82 banks and 107 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

82 banks filing · read from the 30 June 2026 Call Report
82
banks filing
$347B in assets
+8.3%
Loans, year over year
median; 34 above 10%, 18 shrinking
35.6%
CRE / loans
median
76.7%
Loans / deposits
median
0.19%
NPA / loans
median
9.8%
Equity / assets
median

Florida's 82 banks hold $347B in assets at 30 June 2026. Southstate Bank N.A. is the largest at $68.8B, and the five largest hold 65% of the total; 32 institutions are above $1B, holding $327B.

Loans grew a median +8.3% in the year to 30 June 2026: 34 institutions grew faster than 10% and 18 shrank. The median bank lends 77% of its deposits and holds commercial real estate at 35.6% of loans. Nonperforming loans sit at a median 0.19% of the book, return on assets at 1.00%, and equity at 9.8% of assets.

22 of the 82 are in the catalogue, each read from its own filing beside the banks its size in the state: Southstate Bank N.A., Everbank National Association, Raymond James Bank, Bankunited National Association, City National Bank of Florida, Seacoast National Bank, Amerant Bank National Association, Ocean Bank, Bradesco Bank, Banesco USA, Emigrant Bank, First Federal Bank, Capital City Bank, Newtek Bank National Association, Cogent Bank, Pibank National Association, Crews Bank & Trust, One Florida Bank, Sanibel Captiva Community Bank, Mainstreet Community Bank of Florida, Terrabank National Association, United Southern Bank.

Who holds the state's assetseach institution's share of the $347B the state's 82 hold; the largest first, amber in the catalogue
Southstate Bank N.A.: 19.9%SB20%Everbank National Association: 13.5%EN13%Raymond James Bank: 13.2%RJ13%Bankunited National Association: 10.1%BN10%City National Bank of Florida: 8.4%CN8%Seacoast National Bank: 6.2%SNAmerant Bank National Association: 3.0%Ocean Bank: 2.2%Bradesco Bank: 1.8%Banesco USA: 1.7%72 others 20%SBSouthstate Bank N.A.19.9%ENEverbank National Ass…13.5%RJRaymond James Bank13.2%BNBankunited National A…10.1%CNCity National Bank of…8.4%SNSeacoast National Bank6.2%ABAmerant Bank National…3.0%OBOcean Bank2.2%BBBradesco Bank1.8%BUBanesco USA1.7%

Southstate Bank N.A. holds 19.9% of the state's bank assets; the five largest hold 65%, and 32 of the 82 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestSouthstate Bank N.A.: 20% of the totalThe five largest65% of the totalThe ten largest80% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 65% of the assets in 6% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end22.7%$56.9BNonfarm nonresidential, non-owner-occupied20.7%$51.8BOther loans and leases18.0%$45.0BCommercial & industrial13.9%$34.7BNonfarm nonresidential, owner-occupied8.7%$21.8BMultifamily6.2%$15.4BConstruction & land4.0%$10.1BHome equity lines2.4%$6.0BConsumer, other1.6%$3.9BStates & municipalities1.4%$3.5BFarmland0.2%$596MAuto0.2%$459MCredit card0.1%$229MAgricultural production0.0%$71M

1-4 family residential, closed-end is the largest category at 22.7% of the state's $251B in loans, then Nonfarm nonresidential, non-owner-occupied at 20.7% and Other loans and leases at 18.0%.

Loans, year over yearFlorida banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 79 · amber, in the catalogue
state median +8.3% B Bankmiami +664.2% GB Gala Bank +215.7% NB Newtek Bank National Association +84.8% PN Pibank National Association +76.1% CF Climate First Bank +64.1% O Optimumbank +53.3% CB Cypress Bank & Trust +36.9% LB Locality Bank +34.7% AB Anchor Bank +33.0% EB Evermore Bank +31.3% GC Gulf Coast Business Bank +31.2% WB Waterfall Bank +31.1% GA Gulf Atlantic Bank +26.6% SN Seacoast National Bank +24.0% SB Surety Bank +20.1% MC Mainstreet Community Bank of Flor… +19.2% MC Madison Cnty Community Bank +18.7% NN Natbank National Association +17.9% IF International Finance Bank +17.2% BD Banco Do Brasil Americas +16.7% TN Terrabank National Association +16.1% B Bankflorida +15.4% BB Bradesco Bank +15.2% LS Lafayette State Bank +13.7% CB Community Bank of the South +13.3%

Bankmiami grew fastest at +664.2%; 34 grew faster than 10% and 18 shrank, Eastern National Bank the most at -28.1%. The median is +8.3%.

Commercial real estate, share of loansFlorida banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 80 · amber, in the catalogue
state median 35.6% OB Ocean Bank 71.0% WB Waterfall Bank 65.0% PN Pacific National Bank 65.0% FB Flagship Bank 58.8% O Optimumbank 57.7% TN Terrabank National Association 57.6% B Bankmiami 57.5% LB Locality Bank 55.3% PN Pibank National Association 51.4% SB Sunstate Bank 51.0% IB Interamerican Bank A FSB 50.3% IF International Finance Bank 50.0% FS First State Bank 48.8% GB Grove Bank & Trust 48.1% B Bankflorida 48.1% US U S Century Bank 47.8% IB Intracoastal Bank 45.9% AB Anchor Bank 45.5% CB Crews Bank & Trust 45.4% SB Sunrise Bank 45.3% US United Southern Bank 44.8% CN City National Bank of Florida 44.4% EB Evermore Bank 43.1% CB Central Bank 43.0% GB Gala Bank 42.8%

Ocean Bank is the most CRE-weighted at 71.0% of loans; 29 of the 82 are above 40%, against a median of 35.6%.

Commercial real estate against capital, the 300% screenFlorida banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 82 · amber, in the catalogue
state median 206% 300% screen OB Ocean Bank 528% O Optimumbank 504% IF International Finance Bank 448% WB Waterfall Bank 441% FB Flagship Bank 419% CB Central Bank 398% SB Sunrise Bank 387% TN Terrabank National Association 372% LB Locality Bank 370% PN Pacific National Bank 355% US U S Century Bank 347% AB Anchor Bank 345% IB Intracoastal Bank 301% OF One Florida Bank 298% FS First State Bank 297% MC Mainstreet Community Bank of Flor… 292% Bo Bank of Central Florida 290% EN Eastern National Bank 285% IB Interamerican Bank A FSB 285% SB Southstate Bank N.A. 281% B Bankflorida 281% GB Grove Bank & Trust 274% CF Climate First Bank 261% CN City National Bank of Florida 258% SB Sunstate Bank 257%

13 of the 82 banks sit above the 300% screen, Ocean Bank the highest at 528% of capital; the median is 206%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenFlorida banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 82 · amber, in the catalogue
state median 37% 100% screen PC PNB Community Bank 117% MC Madison Cnty Community Bank 111% MC Mainstreet Community Bank of Flor… 97% BB Brannen Bank 95% Bo Bank of Pensacola 88% B Bankflorida 83% Bo Bank of Central Florida 82% GA Gulf Atlantic Bank 76% FB Flagship Bank 74% FC First Colony Bank of Florida 72% IB Intracoastal Bank 71% CF Climate First Bank 70% CB Central Bank 70% WB Waterfall Bank 69% FB FNBT Bank 69% GC Gulf Coast Business Bank 66% SC Sanibel Captiva Community Bank 66% LS Lafayette State Bank 66% PN Pacific National Bank 64% EB Evermore Bank 59% FB First Bank 57% GB Gulfside Bank 56% SB Sunrise Bank 53% LB Locality Bank 53% US United Southern Bank 53%

2 of the 82 banks sit above the 100% construction screen, PNB Community Bank the highest at 117%; the median is 37%.

Loans to depositsFlorida banks, 30 June 2026 · listed highest first · the 25 highest of 82 · amber, in the catalogue
state median 77% WB Waterfall Bank 115% NN Natbank National Association 113% CF Climate First Bank 108% TB TCM Bank National Association 108% SC Sanibel Captiva Community Bank 104% CB Central Bank 101% OB Ocean Bank 100% EB Evermore Bank 100% O Optimumbank 99% GC Gulf Coast Business Bank 99% EN Everbank National Association 98% EB Emigrant Bank 95% FB Flagship Bank 94% US U S Century Bank 94% CN City National Bank of Florida 93% SB Sunrise Bank 93% NB Newtek Bank National Association 92% DB Desjardins Bank N.A. 92% OF One Florida Bank 92% IF International Finance Bank 92% BB Bradesco Bank 91% SB Southstate Bank N.A. 91% LB Locality Bank 91% GA Gulf Atlantic Bank 90% RJ Raymond James Bank 90%

7 of the 82 lend more than they hold in deposits, Waterfall Bank the furthest at 115%; the median is 77%.

Nonperforming loans, share of loansFlorida banks, 30 June 2026 · listed highest first · the 25 highest of 80 · amber, in the catalogue
state median 0.19% NB Newtek Bank National Association 7.19% EB Emigrant Bank 4.77% CB Commerce Bank & Trust 3.44% FF First Federal Bank 2.96% AB Amerant Bank National Association 2.49% BN Bayfirst National Bank 2.13% BN Bankunited National Association 1.69% HB Helm Bank USA 1.65% LB Locality Bank 1.55% DB DLP Bank 1.45% EN Everbank National Association 1.42% MC Mainstreet Community Bank of Flor… 1.27% CB Century Bank of Florida 0.99% TB TCM Bank National Association 0.93% BD Banco Do Brasil Americas 0.83% CN City National Bank of Florida 0.81% FN First National Bank of Wauchula 0.80% IB Interamerican Bank A FSB 0.73% SC Sanibel Captiva Community Bank 0.67% SN Seacoast National Bank 0.66% SB Southstate Bank N.A. 0.54% BU Banesco USA 0.49% BB Brannen Bank 0.45% US United Southern Bank 0.44% FN First National Bank of Mount Dora 0.41%

Newtek Bank National Association carries the most nonperforming loans at 7.19% of the book; 12 of the 82 are above 1%, and the median is 0.19%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%1.00%2.00%3.00%4.00%5.00%NPA / loansAllowance / loansBNBayfirst National Bank+2.95%TBTCM Bank National Association+2.63%LSLafayette State Bank+2.05%CBCrews Bank & Trust+1.89%ENEastern National Bank+1.68%FBFNBT Bank+1.52%USUnited Southern Bank+1.52%FBFirst Bank+1.44%FCFirst Colony Bank of Florida+1.43%BBankflorida+1.40%ENEdison National Bank+1.38%IBIntracoastal Bank+1.38%GBGrove Bank & Trust+1.37%FNFirst National Bank of Pasco+1.33%GCGulf Coast Business Bank+1.30%PNPibank National Association+1.27%TNTerrabank National Association+1.25%CBCommunity Bank of the South+1.25%PCPNB Community Bank+1.24%IBInteramerican Bank A FSB+1.24%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 9 of the 82 hold an allowance smaller than their nonperforming loans.

Return on assetsFlorida banks, 30 June 2026 · listed highest first · the 25 highest of 82 · amber, in the catalogue
state median 1.00% NB Newtek Bank National Association 4.14% AB Anchor Bank 3.18% PB Paradise Bank 2.20% CB Cogent Bank 2.19% FC First Colony Bank of Florida 2.06% SB Surety Bank 2.00% SC Sanibel Captiva Community Bank 1.95% BB Brannen Bank 1.94% CB Crews Bank & Trust 1.90% O Optimumbank 1.87% RJ Raymond James Bank 1.66% BD Banco Do Brasil Americas 1.52% CC Capital City Bank 1.52% FB FNBT Bank 1.51% FB First Bank 1.47% US U S Century Bank 1.47% BU Banesco USA 1.46% GB Gulfside Bank 1.45% SB Southstate Bank N.A. 1.41% CB Citizens Bank & Trust 1.37% IB Intracoastal Bank 1.36% Bo Bank of Central Florida 1.29% B Bankflorida 1.28% SB Sunrise Bank 1.27% DB Desjardins Bank N.A. 1.26%

Newtek Bank National Association earns the most at 4.14% and Echelon Bank the least at -10.59%; 14 of the 82 earn under 0.50%, and the median is 1.00%.

The efficiency ratio, with the return beside itFlorida banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 82 · amber, in the catalogue
state median 63.4% AB Anchor Bank 33.9% ROA 3.18% RJ Raymond James Bank 35.4% ROA 1.66% NB Newtek Bank National Association 38.7% ROA 4.14% CN City National Bank of Florida 45.1% ROA 1.22% CB Cogent Bank 45.4% ROA 2.19% US U S Century Bank 45.8% ROA 1.47% O Optimumbank 47.1% ROA 1.87% FC First Colony Bank of Florida 47.2% ROA 2.06% BB Brannen Bank 47.3% ROA 1.94% IB Intracoastal Bank 48.8% ROA 1.36% SC Sanibel Captiva Community Bank 49.1% ROA 1.95% BD Banco Do Brasil Americas 49.9% ROA 1.52% CF Climate First Bank 51.2% ROA 1.19% EN Everbank National Association 51.8% ROA 0.99% GB Gulfside Bank 51.8% ROA 1.45% SB Southstate Bank N.A. 52.7% ROA 1.41% IF International Finance Bank 53.1% ROA 1.19% BU Banesco USA 53.9% ROA 1.46% B Bankflorida 54.8% ROA 1.28% CB Crews Bank & Trust 55.2% ROA 1.90% PN Pacific National Bank 55.3% ROA 1.11% FB First Bank 56.0% ROA 1.47% Bo Bank of Central Florida 56.4% ROA 1.29% BN Bankunited National Association 57.7% ROA 0.86% Bo Bank of Tampa 58.0% ROA 1.22%

Anchor Bank runs the leanest at 33.9% of revenue in cost; 19 of the 82 spend more than 80 cents of every revenue dollar, and the median is 63.4%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Southstate Bank N.A.$68.8B+7.7%39.8%91%0.54%1.41%14.1%
Everbank National Association$46.7B+12.3%20.7%98%1.42%0.99%9.2%
Raymond James Bank$45.6B+7.5%10.9%90%0.28%1.66%7.3%
Bankunited National Association$34.9B-0.1%28.7%82%1.69%0.86%9.1%
City National Bank of Florida$29.1B+7.7%44.4%93%0.81%1.22%10.6%
Seacoast National Bank$21.3B+24.0%37.6%78%0.66%0.87%14.2%
Amerant Bank National Association$10.3B-4.5%34.7%82%2.49%0.89%9.6%
Ocean Bank$7.6B+9.1%71.0%100%0.38%1.08%9.6%
Bradesco Bank$6.1B+15.2%7.1%91%0.15%0.99%9.9%
Banesco USA$6.0B+8.4%36.0%77%0.49%1.46%10.5%
Emigrant Bank$5.7B-3.8%30.6%95%4.77%0.60%21.4%
First Federal Bank$4.5B+4.6%17.1%42%2.96%1.17%10.4%
Capital City Bank$4.4B-4.4%22.9%66%0.40%1.52%11.9%
Banco Do Brasil Americas$3.5B+16.7%19.6%71%0.83%1.52%10.8%
Bank of Tampa$3.0B+10.6%27.4%77%0.29%1.22%9.8%
Five years, 2021 to 2026the 73 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$160B$249B+56%
Deposits, in total$195B$287B+47%
NPA / loans, median0.29%0.25%-0.04 pts
Efficiency, median71.6%61.7%-9.9 pts
ROA, median0.83%1.04%+0.21 pts

Small-business lending

SBA 7(a) approvals into Florida since FY2008, across every lender type

$29.1B of 7(a) credit has been approved into Florida since FY2008 across 59,969 loans. Accommodation & food services is the largest category at 15.3%, Health care & social assistance at 13.9%, Retail trade at 10.1%; the three together are 39% of the money. The heaviest losses fall in Administrative & waste services, at 4.83% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 528 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
LO Live Oak Banking Company 6.1% $1.8B · 1,383 loans TB Truist Bank 4.5% $1.3B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.2B · 5,346 loans TB TD Bank, National Association 3.5% $1.0B · 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 Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans RB Regions Bank 2.1% $599M · 1,010 loans PB Paradise Bank 2.0% $594M · 410 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services16.2%$4.4B · 6,070 loansHealth care & social assistance14.7%$4.0B · 6,945 loansRetail trade10.7%$2.9B · 6,708 loansConstruction9.7%$2.7B · 6,766 loansProfessional & technical services9.6%$2.6B · 6,991 loansWholesale trade9.0%$2.5B · 4,327 loansOther services8.0%$2.2B · 5,386 loansManufacturing7.8%$2.1B · 3,508 loansAdministrative & waste services4.6%$1.3B · 3,847 loansArts, entertainment & recreation3.6%$994M · 1,812 loansTransportation & warehousing3.1%$860M · 2,644 loansReal estate & leasing2.8%$776M · 1,529 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$4.4B6,07015.3%$89M2.00%
Health care & social assistance$4.0B6,94513.9%$68M1.68%
Retail trade$2.9B6,70810.1%$118M3.98%
Construction$2.7B6,7669.2%$62M2.32%
Professional & technical services$2.6B6,9919.0%$66M2.53%
Wholesale trade$2.5B4,3278.5%$62M2.51%
Other services$2.2B5,3867.5%$59M2.71%
Manufacturing$2.1B3,5087.4%$58M2.71%
Administrative & waste services$1.3B3,8474.4%$61M4.83%
Arts, entertainment & recreation$994M1,8123.4%$29M2.88%
Transportation & warehousing$860M2,6443.0%$26M3.05%
Real estate & leasing$776M1,5292.7%$19M2.39%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Miami-Dade$4.0B10,739215
Broward$3.0B6,830209
Palm Beach$2.5B5,105195
Hillsborough$2.2B4,352195
Orange$2.0B4,254201
Pinellas$1.7B3,098171
Duval$1.3B2,571171
Lee$1.1B2,012169
Sarasota$810M1,463138
Manatee$700M1,134132

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Florida institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Florida

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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