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.

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).

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

Yes. Flagship Bank is an FDIC-insured institution (FDIC certificate #58113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.3% of deposits ($303.5M) 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 11.69%, 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

Flagship Bank lists 6 offices in 6 cities. Most locations:

• Clearwater, FL (1)
• Largo, FL (1)
• Oldsmar, FL (1)
• Saint Petersburg, FL (1)
• Tarpon Springs, FL (1)
• Trinity, FL (1)

All branch addresses and map

In 2025, Flagship Bank reported 20 home-loan applications under HMDA (LEI 254900VT356QLU1SWW81): 15 originated ($25,465,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.8%, 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.

Legal name

Flagship Bank

Former names

Flagship Community Bank

Type

State-chartered bank

FDIC certificate #

58113

RSSD ID

3404999

Primary regulator

FDIC

Holding company

West Florida Bank Corp

Established

January 23, 2006

Headquarters

29750 Us Highway 19 N, Clearwater, FL 33761

Website

www.flagshipbank.com

Employees

75