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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Dade City, FL · FDIC certificate #58537
BANKFLORIDA is an FDIC-insured institution based in Dade City, FL (FDIC certificate #58537). In its Q3 2026 Call Report it reported total assets of $447M, total deposits of $377M and net loans of $361M. Its primary federal regulator is FDIC.
Plain-language readout
BANKFLORIDA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $460M in Q2 2026 and were lowest at $439M in Q1 2026.
Total deposits were highest at $389M in Q2 2026 and lowest at $367M in Q1 2026.
Over the whole period total assets rose 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $447M | $377M | $361M | 1.31% | 11.06% | 4.22% |
| Q2 2026 | $460M | $389M | $341M | 1.25% | 10.71% | 4.14% |
| Q1 2026 | $439M | $367M | $337M | 1.26% | 10.96% | 4.16% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $84.3M | $67.9M | +$16.4M | +24.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $111K | -$111K | -100.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $341.3M | $337.0M | +$4.3M | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $23.2M | $23.3M | -$122K | -0.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.8M | $10.6M | +$199K | +1.9% |
| Total assets | $459.5M | $438.8M | +$20.7M | +4.7% |
| Liabilities | ||||
| Total deposits | $388.9M | $366.9M | +$22.0M | +6.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $15.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $778K | $1.2M | -$461K | -37.2% |
| Total liabilities | $404.6M | $383.1M | +$21.6M | +5.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.8M | $2.8M | $0K | 0.0% |
| Surplus | $51.7M | $51.7M | -$5K | -0.0% |
| Retained earnings | $422K | $1.3M | -$856K | -67.0% |
| Accumulated other comprehensive income | $0K | -$5K | +$5K | +100.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $54.9M | $55.7M | -$856K | -1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $59.7M | $60.5M | -$766K | -1.3% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.29% | 14.54% | -0.26 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.29% | 14.54% | -0.26 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.54% | 15.79% | -0.25 pts | See points |
| Tier 1 leverage (approximate) | 12.58% | 12.83% | -0.25 pts | See points |
| Construction and land loans to total capital | 83.22% | 119.03% | -35.81 pts | See points |
| Commercial real estate to total capital | 280.96% | 299.16% | -18.20 pts | See points |
| Dividend payout, year to date | 81.40% | 0.00% | +81.40 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | -0.08% | +0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $353.1M | $325.6M | +$27.5M | +8.4% |
| Non-core funding | $50.8M | $56.3M | -$5.5M | -9.8% |
| Loans to core deposits | 98.02% | 104.95% | -6.93 pts | See points |
| Loans to deposits | 89.00% | 93.14% | -4.14 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | Not reported | 0.00% | Not reported | See points |
| Loans pledged, share of loans | 57.39% | 66.75% | -9.37 pts | See points |
| Volatile liabilities | $50.8M | $56.3M | -$5.5M | -9.8% |
| Earnings | ||||
| Earnings before provision, year to date | $4.0M | $1.9M | +$2.1M | +108.2% |
| Earnings before provision, single quarter | $2.1M | $1.9M | +$157K | +8.2% |
| Provision for credit losses, year to date | $137K | $90K | +$47K | +52.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.63% | 6.70% | -0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.55% | 3.52% | +0.03 pts | See points |
| Total interest income to average assets | 5.79% | 5.78% | +0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 1.69% | 1.71% | -0.02 pts | See points |
| Cost of savings and money market deposits | 2.68% | 2.70% | -0.03 pts | See points |
| Cost of time deposits | 3.34% | 3.43% | -0.09 pts | See points |
| Total interest expense to average assets | 1.83% | 1.94% | -0.10 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $447M | $377M | $361M | 1.31% | 11.06% | 4.22% |
| 2026-06-30 | $460M | $389M | $341M | 1.25% | 10.71% | 4.14% |
| 2026-03-31 | $439M | $367M | $337M | 1.26% | 10.96% | 4.16% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $349.6M | 0.04% | 100 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.