Headquartered in Dade City, Florida, BankFlorida is a state-chartered bank with $459.5M in total assets and $388.9M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 2007.
Based on its Q2 2026 filing, BankFlorida scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 17th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (22/100; 88% loans-to-deposits, 60% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (65 → 75), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.64% |
| Q3 2024 | 11.57% |
| Q4 2024 | 11.38% |
| Q1 2025 | 10.91% |
| Q2 2025 | 10.50% |
| Q3 2025 | 10.69% |
| Q4 2025 | 10.57% |
| Q1 2026 | 12.83% |
| Q2 2026 | 12.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.07% |
| Q4 2024 | -0.02% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.78% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $459.5M | 12.58% | 0.00% | 1.25% | 87.8% |
| Q1 2026 | 75 | $438.8M | 12.83% | 0.00% | 1.26% | 91.8% |
| Q4 2025 | 65 | $429.6M | 10.57% | 0.00% | 0.78% | 89.4% |
| Q3 2025 | 65 | $400.9M | 10.69% | 0.00% | 0.70% | 89.6% |
| Q2 2025 | 65 | $407.6M | 10.50% | 0.00% | 0.62% | 84.5% |
| Q1 2025 | 65 | $401.3M | 10.91% | 0.00% | 0.50% | 82.9% |
| Q4 2024 | 61 | $369.3M | 11.38% | 0.00% | -0.02% | 94.2% |
| Q3 2024 | 63 | $355.5M | 11.57% | 0.00% | 0.07% | 90.6% |
| Q2 2024 | 66 | $338.7M | 11.64% | 0.00% | 0.35% | 92.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edison National BankBank Fort Myers, FL | 67 out of 100, Moderate | $453.7M | 9.0% | 0.00% | vs |
| Paradise BankBank Boca Raton, FL | 75 out of 100, Strong | $415.2M | 8.8% | 0.05% | vs |
| Waterfall BankBank Clearwater, FL | 61 out of 100, Moderate | $409.9M | 12.6% | 0.03% | vs |
| Locality BankBank Fort Lauderdale, FL | 55 out of 100, Moderate | $396.2M | 12.9% | 1.55% | vs |
| Central BankBank Tampa, FL | 63 out of 100, Moderate | $386.8M | 9.1% | 0.04% | vs |
| TCM Bank, National AssociationBank Tampa, FL | 57 out of 100, Moderate | $382.4M | 18.3% | 0.93% | vs |
Deposit insurance
Is my money safe at BankFlorida?
Yes. BankFlorida is an FDIC-insured institution (FDIC certificate #58537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 59.9% of deposits ($232.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.54% (benchmark: 10%).
6 locations
Branches
BankFlorida lists 6 offices in 6 cities. Most locations:
- Dade City, FL (1)
- Jupiter, FL (1)
- Kissimmee, FL (1)
- Plant City, FL (1)
- Saint Cloud, FL (1)
- Zephyrhills, FL (1)
Identity & history
Profile
- Legal name
- BankFlorida
- Former names
- FirstCity Bank of Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 58537
- RSSD ID
- 3629484
- Primary regulator
- FDIC
- Holding company
- Bankflorida Bcorp Inc
- Established
- August 27, 2007
- Headquarters
- 12482 Us Highway 301, Dade City, FL 33525
- Website
- www.bankflorida.com
- Employees
- 53
Quick answers
BankFlorida: common questions
Is BankFlorida FDIC insured?
Yes. BankFlorida is an FDIC-insured institution (FDIC certificate #58537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BankFlorida's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BankFlorida ever failed?
There is no failure record for FDIC certificate #58537 in the FDIC failed bank list.
How many branches does BankFlorida have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dade City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Florida West Coast Credit UnionCredit union Brandon, FL | 79 out of 100, Strong | $144.2M | 12.0% | 0.25% | vs |
| San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL | 78 out of 100, Strong | $399.9M | 11.0% | 0.28% | vs |