Brannen Bank is a state-chartered bank headquartered in Inverness, Florida, in business for about 100 years. At the end of Q2 2026 it reported $1.0B in total assets and $991.9M in deposits, with 12 offices.
Based on its Q2 2026 filing, Brannen Bank scores 65/100, which we describe as moderate. That is higher than only 36% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 55th. Its strongest component is earnings (99/100; 1.97%), and its lowest is capital cushion (11/100; 6.07%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 65).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 62 |
| Q4 2024 | 64 |
| Q1 2025 | 67 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 62 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 6.09% |
| Q3 2024 | 6.21% |
| Q4 2024 | 5.37% |
| Q1 2025 | 5.89% |
| Q2 2025 | 5.96% |
| Q3 2025 | 6.08% |
| Q4 2025 | 5.43% |
| Q1 2026 | 5.96% |
| Q2 2026 | 6.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.08% |
| Q3 2024 | 2.05% |
| Q4 2024 | 2.02% |
| Q1 2025 | 1.97% |
| Q2 2025 | 2.00% |
| Q3 2025 | 2.01% |
| Q4 2025 | 2.02% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $1.0B | 6.07% | 0.45% | 1.97% | 53.7% |
| Q1 2026 | 64 | $1.0B | 5.96% | 0.52% | 1.92% | 52.9% |
| Q4 2025 | 62 | $1.1B | 5.43% | 0.53% | 2.02% | 49.7% |
| Q3 2025 | 66 | $970.8M | 6.08% | 0.42% | 2.01% | 53.7% |
| Q2 2025 | 66 | $990.9M | 5.96% | 0.41% | 2.00% | 51.7% |
| Q1 2025 | 67 | $960.5M | 5.89% | 0.34% | 1.97% | 52.0% |
| Q4 2024 | 64 | $956.7M | 5.37% | 0.39% | 2.02% | 49.9% |
| Q3 2024 | 62 | $903.9M | 6.21% | 0.88% | 2.05% | 52.2% |
| Q2 2024 | 67 | $909.5M | 6.09% | 0.39% | 2.08% | 49.1% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| BayFirst National BankBank Saint Petersburg, FL | 36 out of 100, Low | $1.1B | 8.6% | 2.13% | vs |
| First State BankBank Key West, FL | 67 out of 100, Moderate | $1.2B | 10.3% | 0.15% | vs |
| Helm Bank USABank Miami, FL | 59 out of 100, Moderate | $1.2B | 11.2% | 1.65% | vs |
| Bank of Central FloridaBank Lakeland, FL | 69 out of 100, Moderate | $1.2B | 8.7% | 0.21% | vs |
| OptimumBankBank Fort Lauderdale, FL | 76 out of 100, Strong | $1.4B | 10.5% | 0.18% | vs |
| Grove Bank & TrustBank Miami, FL | 68 out of 100, Moderate | $1.4B | 10.0% | 0.01% | vs |
Deposit insurance
Is my money safe at Brannen Bank?
Yes. Brannen Bank is an FDIC-insured institution (FDIC certificate #5676). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.1% of deposits ($308.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 6.07%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.95% (benchmark: 10%).
12 locations
Branches
Brannen Bank lists 11 offices in 8 cities. Most locations:
- Inverness, FL (3)
- Brooksville, FL (2)
- Beverly Hills, FL (1)
- Crystal River, FL (1)
- Dunnellon, FL (1)
- Floral City, FL (1)
- Hernando, FL (1)
- Homosassa, FL (1)
HMDA 2025
Mortgage lending
In 2025, Brannen Bank reported 383 home-loan applications under HMDA (LEI 549300VS8Y4N1Y2J0S91): 308 originated ($106,020,000 total), 33 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Brannen Bank
- Former names
- The Bank of Inverness
- Type
- State-chartered bank
- FDIC certificate #
- 5676
- RSSD ID
- 760331
- Primary regulator
- FDIC
- Holding company
- Brannen Banks of Florida Inc
- Established
- July 1, 1926
- Headquarters
- 320 S Highway 41, Inverness, FL 34450
- Website
- www.brannenbanks.com
- Employees
- 116
Quick answers
Brannen Bank: common questions
Is Brannen Bank FDIC insured?
Yes. Brannen Bank is an FDIC-insured institution (FDIC certificate #5676). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Brannen Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Brannen Bank ever failed?
There is no failure record for FDIC certificate #5676 in the FDIC failed bank list.
How many branches does Brannen Bank have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Inverness
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Southern BankBank Umatilla, FL | 76 out of 100, Strong | $843.0M | 10.8% | 0.44% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Florida Credit UnionCredit union Gainesville, FL | 75 out of 100, Strong | $2.8B | 12.7% | 0.80% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Midflorida Credit UnionCredit union Lakeland, FL | 72 out of 100, Strong | $9.8B | 10.7% | 0.46% | vs |