TellerScore

First National Bank of Wauchula (FDIC certificate #18136) is based in Wauchula, Florida. Its Q2 2026 call report shows $87.5M in total assets and $76.2M in deposits and 1 office.

First National Bank of Wauchula has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 546 banks with under $100 million in assets. Among 82 banks headquartered in Florida, it ranks 36th. Problem-loan coverage contributes the most (92/100, 4.2%); earnings contributes the least (45/100, 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.16%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.80%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 73.7% · 16.9% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.23%

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 fell 4 points (75 → 71), mostly because the earnings component weakened by 51 points.

TellerScore
657075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202465
Q1 202567
Q2 202575
Q3 202573
Q4 202573
Q1 202667
Q2 202671
Tier 1 leverage ratio
5.00%8.70%12.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.75%
Q3 202411.36%
Q4 202410.74%
Q1 202511.48%
Q2 202511.68%
Q3 202511.90%
Q4 202512.32%
Q1 202612.39%
Q2 202612.16%
Noncurrent loans
0.61%0.92%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.61%
Q3 20240.83%
Q4 20241.00%
Q1 20251.11%
Q2 20251.11%
Q3 20251.10%
Q4 20251.22%
Q1 20261.23%
Q2 20260.80%
Return on assets
0.57%1.24%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.99%
Q4 20241.04%
Q1 20251.11%
Q2 20251.91%
Q3 20251.64%
Q4 20251.66%
Q1 20260.57%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$87.5M12.16%0.80%0.63%73.7%
Q1 202667$88.1M12.39%1.23%0.57%74.6%
Q4 202573$85.6M12.32%1.22%1.66%82.9%
Q3 202573$84.6M11.90%1.10%1.64%84.4%
Q2 202575$85.4M11.68%1.11%1.91%84.9%
Q1 202567$87.0M11.48%1.11%1.11%87.8%
Q4 202465$88.0M10.74%1.00%1.04%91.8%
Q3 202469$90.8M11.36%0.83%0.99%84.1%
Q2 202466$90.6M10.75%0.61%0.62%85.0%

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).

Capital ratio12.16%
42nd
Total risk-based capital0.00%
27th
Problem loans0.80%
39th
Net charge-offs-0.03%
90th
Return on assets0.63%
32nd
Net interest margin5.51%
95th
Efficiency ratio87.9%
20th
Loans to deposits73.7%
39th
Uninsured deposits16.9%
45th
Loan-loss reserves1.82%
80th
Texas ratio4.2%
36th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Eastern National BankBank Miami, FL55 out of 100, Moderate$65.2M8.0%0.08%vs
Echelon BankBank Clearwater, FL75 out of 100, Strong$52.2M67.4%0.00%vs
Gala BankBank Ocala, FL73 out of 100, Strong$44.9M22.1%0.00%vs
Portrait BankBank Winter Park, FL79 out of 100, Strong$44.7M99.2%0.00%vs
Members Trust CompanyBank Tampa, FL74 out of 100, Strong$34.3M91.4%0.00%vs

Deposit insurance

Is my money safe at First National Bank of Wauchula?

Yes. First National Bank of Wauchula is an FDIC-insured institution (FDIC certificate #18136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.9% of deposits ($12.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.16%, 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

1 location

Branches

First National Bank of Wauchula lists 1 office in 1 city. Most locations:

  • Wauchula, FL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of Wauchula
Type
National bank
FDIC certificate #
18136
RSSD ID
89135
Primary regulator
OCC
Holding company
First Hardee Holding Corp
Established
January 12, 1960
Headquarters
406 N 6th Ave, Wauchula, FL 33873
Employees
24

Quick answers

First National Bank of Wauchula: common questions

Is First National Bank of Wauchula FDIC insured?

Yes. First National Bank of Wauchula is an FDIC-insured institution (FDIC certificate #18136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Wauchula's TellerScore?

71 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 National Bank of Wauchula ever failed?

There is no failure record for FDIC certificate #18136 in the FDIC failed bank list.

How many branches does First National Bank of Wauchula have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wauchula

InstitutionScoreAssetsCapitalProblem loansCompare
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
Midflorida Credit UnionCredit union Lakeland, FL72 out of 100, Strong$9.8B10.7%0.46%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