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.

From Q2 2025 to Q2 2026, the score rose 4 points (64 → 68), mostly because the earnings component improved by 24 points.

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

Yes. Climate First Bank is an FDIC-insured institution (FDIC certificate #59257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($408.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.87% (benchmark: 10%).

Check how much of your own balance is covered

Climate First Bank lists 4 offices in 4 cities. Most locations:

• Eustis, FL (1)
• Orlando, FL (1)
• Saint Petersburg, FL (1)
• Winter Park, FL (1)

All branch addresses and map

In 2025, Climate First Bank reported 310 home-loan applications under HMDA (LEI 254900HL2VMAYA3J5494): 173 originated ($174,255,000 total), 42 denied, and 76 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.9%, 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.

Legal name

Climate First Bank

Type

State-chartered bank

FDIC certificate #

59257

RSSD ID

5592340

Primary regulator

FDIC

Holding company

Climate First Bcorp Inc

Established

June 1, 2021

Headquarters

182 37th Ave N, Saint Petersburg, FL 33704

Website

www.climatefirstbank.com

Employees

162