TellerScore

First Colony Bank of Florida is a state-chartered bank headquartered in Maitland, Florida, in business for about 18 years. At the end of Q2 2026 it reported $291.1M in total assets and $262.4M in deposits, with 1 office.

First Colony Bank of Florida has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 6th. Earnings contributes the most (100/100, 2.07%); capital cushion contributes the least (49/100, 9.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.94%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 75.5% · 23.0% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.13%

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 (78 → 79).

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202474
Q1 202572
Q2 202578
Q3 202579
Q4 202579
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%7.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.48%
Q3 20248.66%
Q4 20248.54%
Q1 20259.06%
Q2 20259.42%
Q3 20259.74%
Q4 20259.93%
Q1 20269.86%
Q2 20269.94%
Noncurrent loans
0.00%0.24%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.47%
Q2 20250.00%
Q3 20250.00%
Q4 20250.18%
Q1 20260.17%
Q2 20260.17%
Return on assets
1.54%1.80%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.58%
Q4 20241.74%
Q1 20251.85%
Q2 20251.88%
Q3 20251.92%
Q4 20251.95%
Q1 20261.95%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$291.1M9.94%0.17%2.07%75.5%
Q1 202679$307.0M9.86%0.17%1.95%70.8%
Q4 202579$286.6M9.93%0.18%1.95%72.5%
Q3 202579$295.1M9.74%0.00%1.92%72.0%
Q2 202578$301.2M9.42%0.00%1.88%73.6%
Q1 202572$294.8M9.06%0.47%1.85%74.1%
Q4 202474$307.8M8.54%0.00%1.74%68.5%
Q3 202474$316.5M8.66%0.00%1.58%67.3%
Q2 202473$310.1M8.48%0.00%1.54%66.2%

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).

Capital ratio9.94%
30th
Total risk-based capital14.58%
65th
Problem loans0.17%
67th
Net charge-offs0.00%
68th
Return on assets2.07%
88th
Net interest margin3.88%
47th
Efficiency ratio47.2%
88th
Loans to deposits75.5%
59th
Uninsured deposits23.0%
53rd
Loan-loss reserves1.61%
84th
Texas ratio1.1%
67th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Natbank, National AssociationBank Hollywood, FL77 out of 100, Strong$296.5M29.8%0.00%vs
DLP BankBank Starke, FL74 out of 100, Strong$301.4M15.3%1.45%vs
First National Bank of PascoBank Dade City, FL64 out of 100, Moderate$280.0M10.2%0.36%vs
Community Bank of the SouthBank Merritt Island, FL67 out of 100, Moderate$266.5M9.5%0.00%vs
Evermore BankBank Fort Lauderdale, FL74 out of 100, Strong$316.9M13.5%0.00%vs
BankMiamiBank Coral Gables, FL62 out of 100, Moderate$317.9M11.4%0.00%vs

Deposit insurance

Is my money safe at First Colony Bank of Florida?

Yes. First Colony Bank of Florida is an FDIC-insured institution (FDIC certificate #58644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.0% of deposits ($60.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.58% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Colony Bank of Florida lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Colony Bank of Florida
Type
State-chartered bank
FDIC certificate #
58644
RSSD ID
3688548
Primary regulator
FDIC
Established
January 28, 2008
Headquarters
711 N Orlando Ave, Maitland, FL 32751
Employees
20

Quick answers

First Colony Bank of Florida: common questions

Is First Colony Bank of Florida FDIC insured?

Yes. First Colony Bank of Florida is an FDIC-insured institution (FDIC certificate #58644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Colony Bank of Florida's TellerScore?

79 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 First Colony Bank of Florida ever failed?

There is no failure record for FDIC certificate #58644 in the FDIC failed bank list.

How many branches does First Colony Bank of Florida have?

1 office as of the latest FDIC data.

Nearby

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