First National Bank of Pasco is a national bank headquartered in Dade City, Florida, in business for about 40 years. At the end of Q2 2026 it reported $280.0M in total assets and $234.1M in deposits, with 4 offices.
First National Bank of Pasco has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 61st. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (35/100, 0.37%).
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
From Q2 2025 to Q2 2026, the score rose 5 points (59 → 64), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 62 |
| Q2 2025 | 59 |
| Q3 2025 | 59 |
| Q4 2025 | 59 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.80% |
| Q3 2024 | 9.36% |
| Q4 2024 | 9.26% |
| Q1 2025 | 9.18% |
| Q2 2025 | 9.15% |
| Q3 2025 | 9.28% |
| Q4 2025 | 9.63% |
| Q1 2026 | 10.04% |
| Q2 2026 | 10.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.36% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $280.0M | 10.23% | 0.36% | 0.37% | 70.9% |
| Q1 2026 | 63 | $286.3M | 10.04% | 0.36% | 0.37% | 74.0% |
| Q4 2025 | 59 | $287.3M | 9.63% | 0.35% | 0.08% | 75.8% |
| Q3 2025 | 59 | $298.4M | 9.28% | 0.38% | 0.01% | 73.1% |
| Q2 2025 | 59 | $310.1M | 9.15% | 0.40% | 0.16% | 71.1% |
| Q1 2025 | 62 | $319.0M | 9.18% | 0.07% | 0.14% | 70.0% |
| Q4 2024 | 63 | $311.2M | 9.26% | 0.06% | 0.19% | 70.4% |
| Q3 2024 | 64 | $320.9M | 9.36% | 0.04% | 0.24% | 69.7% |
| Q2 2024 | 64 | $314.3M | 9.80% | 0.13% | 0.09% | 64.8% |
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).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Community Bank of the SouthBank Merritt Island, FL | 67 out of 100, Moderate | $266.5M | 9.5% | 0.00% | vs |
| Natbank, National AssociationBank Hollywood, FL | 77 out of 100, Strong | $296.5M | 29.8% | 0.00% | vs |
| DLP BankBank Starke, FL | 74 out of 100, Strong | $301.4M | 15.3% | 1.45% | vs |
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |
Deposit insurance
Is my money safe at First National Bank of Pasco?
Yes. First National Bank of Pasco is an FDIC-insured institution (FDIC certificate #26829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.0% of deposits ($79.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.23%, 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%).
4 locations
Branches
First National Bank of Pasco lists 4 offices in 3 cities. Most locations:
- Zephyrhills, FL (2)
- Dade City, FL (1)
- Lutz, FL (1)
Identity & history
Profile
- Legal name
- First National Bank of Pasco
- Type
- National bank
- FDIC certificate #
- 26829
- RSSD ID
- 82033
- Primary regulator
- OCC
- Holding company
- Florida Bancshares Inc
- Established
- November 3, 1986
- Headquarters
- 13315 Us Highway 301, Dade City, FL 33525
- Website
- www.fnbpasco.com/
- Employees
- 51
Quick answers
First National Bank of Pasco: common questions
Is First National Bank of Pasco FDIC insured?
Yes. First National Bank of Pasco is an FDIC-insured institution (FDIC certificate #26829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Pasco's TellerScore?
64 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 First National Bank of Pasco ever failed?
There is no failure record for FDIC certificate #26829 in the FDIC failed bank list.
How many branches does First National Bank of Pasco have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dade City
| 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 |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Florida West Coast Credit UnionCredit union Brandon, FL | 79 out of 100, Strong | $144.2M | 12.0% | 0.25% | vs |
| San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL | 78 out of 100, Strong | $399.9M | 11.0% | 0.28% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |