TellerScore

Crews Bank & Trust (FDIC certificate #8021) is based in Wauchula, Florida. Its Q2 2026 call report shows $2.3B in total assets and $2.1B in deposits and 20 offices.

Crews Bank & Trust has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 3rd. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (57/100, 10.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.69%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings96/100
Return on assets (annualized): 1.90%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 63.1% · 18.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.28%

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 3 points (82 → 85), mostly because the earnings component improved by 9 points.

TellerScore
818385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202482
Q1 202581
Q2 202582
Q3 202584
Q4 202583
Q1 202683
Q2 202685
Tier 1 leverage ratio
5.00%7.94%10.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.55%
Q3 202410.88%
Q4 202410.56%
Q1 202510.45%
Q2 202510.49%
Q3 202510.80%
Q4 202510.55%
Q1 202610.55%
Q2 202610.69%
Noncurrent loans
0.02%0.06%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.03%
Q4 20240.02%
Q1 20250.07%
Q2 20250.09%
Q3 20250.04%
Q4 20250.07%
Q1 20260.04%
Q2 20260.06%
Return on assets
1.53%1.71%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.75%
Q3 20241.69%
Q4 20241.68%
Q1 20251.53%
Q2 20251.66%
Q3 20251.70%
Q4 20251.74%
Q1 20261.76%
Q2 20261.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$2.3B10.69%0.06%1.90%63.1%
Q1 202683$2.4B10.55%0.04%1.76%60.6%
Q4 202583$2.3B10.55%0.07%1.74%60.4%
Q3 202584$2.2B10.80%0.04%1.70%62.1%
Q2 202582$2.3B10.49%0.09%1.66%61.0%
Q1 202581$2.3B10.45%0.07%1.53%59.0%
Q4 202482$2.2B10.56%0.02%1.68%61.4%
Q3 202483$2.1B10.88%0.03%1.69%62.4%
Q2 202482$2.2B10.55%0.03%1.75%60.8%

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).

Capital ratio10.69%
54th
Total risk-based capital0.00%
13th
Problem loans0.06%
90th
Net charge-offs0.02%
57th
Return on assets1.90%
85th
Net interest margin3.73%
52nd
Efficiency ratio55.2%
61st
Loans to deposits63.1%
91st
Uninsured deposits18.7%
85th
Loan-loss reserves1.95%
95th
Texas ratio0.3%
92nd

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Pibank, National AssociationBank Miami, FL63 out of 100, Moderate$2.4B9.7%0.13%vs
Cogent BankBank Orlando, FL72 out of 100, Strong$2.5B9.7%0.39%vs
Newtek Bank, National AssociationBank Miami, FL41 out of 100, Below average$2.5B8.6%7.19%vs
Climate First BankBank Saint Petersburg, FL68 out of 100, Moderate$1.9B9.7%0.12%vs
U. S. Century BankBank Doral, FL69 out of 100, Moderate$3.0B10.0%0.09%vs
The Bank of TampaBank Tampa, FL70 out of 100, Strong$3.0B11.0%0.29%vs

Deposit insurance

Is my money safe at Crews Bank & Trust?

Yes. Crews Bank & Trust is an FDIC-insured institution (FDIC certificate #8021). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.7% of deposits ($387.2M) 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 10.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

Crews Bank & Trust lists 18 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Crews Bank & Trust reported 268 home-loan applications under HMDA (LEI 549300ZW96EO7YCGVV43): 209 originated ($78,465,000 total), 21 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, 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
Crews Bank & Trust
Former names
Wauchula State Bank
Type
State-chartered bank
FDIC certificate #
8021
RSSD ID
200435
Primary regulator
FDIC
Holding company
Crews Banking Corp
Established
April 1, 1929
Headquarters
106 E Main St, Wauchula, FL 33873
Employees
359

Quick answers

Crews Bank & Trust: common questions

Is Crews Bank & Trust FDIC insured?

Yes. Crews Bank & Trust is an FDIC-insured institution (FDIC certificate #8021). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Crews Bank & Trust's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Crews Bank & Trust ever failed?

There is no failure record for FDIC certificate #8021 in the FDIC failed bank list.

How many branches does Crews Bank & Trust have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wauchula

InstitutionScoreAssetsCapitalProblem loansCompare
Midflorida Credit UnionCredit union Lakeland, FL72 out of 100, Strong$9.8B10.7%0.46%vs
First National Bank of WauchulaBank Wauchula, FL71 out of 100, Strong$87.5M12.2%0.80%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs
Citizens Bank and TrustBank Frostproof, FL67 out of 100, Moderate$1.5B8.0%0.35%vs
Truist BankBank Charlotte, NC63 out of 100, Moderate$548.3B9.8%0.72%vs
Seacoast National BankBank Stuart, FL63 out of 100, Moderate$21.3B9.8%0.66%vs