Echelon Bank (FDIC certificate #59377) is based in Clearwater, Florida. Its Q2 2026 call report shows $52.2M in total assets and $23.5M in deposits and 3 offices.
Echelon Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 546 banks with under $100 million in assets. Among 82 banks headquartered in Florida, it ranks 21st. Capital cushion contributes the most (100/100, 67.36%); earnings contributes the least (0/100, -8.19%).
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.
1 quarters
Health trend
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $52.2M | 67.36% | 0.00% | -8.19% | 16.0% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Gala BankBank Ocala, FL | 73 out of 100, Strong | $44.9M | 22.1% | 0.00% | vs |
| Portrait BankBank Winter Park, FL | 79 out of 100, Strong | $44.7M | 99.2% | 0.00% | vs |
| Eastern National BankBank Miami, FL | 55 out of 100, Moderate | $65.2M | 8.0% | 0.08% | vs |
| Members Trust CompanyBank Tampa, FL | 74 out of 100, Strong | $34.3M | 91.4% | 0.00% | vs |
| First National Bank of WauchulaBank Wauchula, FL | 71 out of 100, Strong | $87.5M | 12.2% | 0.80% | vs |
Deposit insurance
Is my money safe at Echelon Bank?
Yes. Echelon Bank is an FDIC-insured institution (FDIC certificate #59377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.3% of deposits ($10.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 67.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 176.57% (benchmark: 10%).
3 locations
Branches
Echelon Bank lists 3 offices in 3 cities. Most locations:
- Clearwater, FL (1)
- Tampa, FL (1)
- Tarpon Springs, FL (1)
Identity & history
Profile
- Legal name
- Echelon Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59377
- RSSD ID
- 6062484
- Primary regulator
- FDIC
- Established
- May 27, 2026
- Headquarters
- 1901 Ulmerton Rd, Clearwater, FL 33762
- Website
- www.echelon.bank
- Employees
- 32
Quick answers
Echelon Bank: common questions
Is Echelon Bank FDIC insured?
Yes. Echelon Bank is an FDIC-insured institution (FDIC certificate #59377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Echelon Bank'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 Echelon Bank ever failed?
There is no failure record for FDIC certificate #59377 in the FDIC failed bank list.
How many branches does Echelon Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clearwater
| 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 |
| Transport Credit UnionCredit union Tampa, FL | 85 out of 100, Very strong | $35.8M | 18.6% | 0.52% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |