Members Trust Company (FDIC certificate #57470) is based in Tampa, Florida. Its Q2 2026 call report shows $34.3M in total assets and $500K in deposits and 4 offices.
Members Trust Company has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 546 banks with under $100 million in assets. Among 82 banks headquartered in Florida, it ranks 25th. Capital cushion contributes the most (100/100, 91.41%); earnings contributes the least (0/100, -1.07%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 87.73% |
| Q3 2024 | 84.75% |
| Q4 2024 | 87.68% |
| Q1 2025 | 85.39% |
| Q2 2025 | 86.80% |
| Q3 2025 | 85.88% |
| Q4 2025 | 86.43% |
| Q1 2026 | 90.56% |
| Q2 2026 | 91.41% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -7.56% |
| Q3 2024 | -8.39% |
| Q4 2024 | -5.50% |
| Q1 2025 | -7.35% |
| Q2 2025 | -6.59% |
| Q3 2025 | -6.88% |
| Q4 2025 | -6.15% |
| Q1 2026 | -0.84% |
| Q2 2026 | -1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $34.3M | 91.41% | 0.00% | -1.07% | 0.0% |
| Q1 2026 | 74 | $34.6M | 90.56% | 0.00% | -0.84% | 0.0% |
| Q4 2025 | 74 | $34.5M | 86.43% | 0.00% | -6.15% | 0.0% |
| Q3 2025 | 74 | $37.0M | 85.88% | 0.00% | -6.88% | 0.0% |
| Q2 2025 | 74 | $36.5M | 86.80% | 0.00% | -6.59% | 0.0% |
| Q1 2025 | 74 | $36.4M | 85.39% | 0.00% | -7.35% | 0.0% |
| Q4 2024 | 74 | $38.2M | 87.68% | 0.00% | -5.50% | 0.0% |
| Q3 2024 | 74 | $38.5M | 84.75% | 0.00% | -8.39% | 0.0% |
| Q2 2024 | 74 | $38.6M | 87.73% | 0.00% | -7.56% | 0.0% |
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 |
|---|---|---|---|---|---|
| Portrait BankBank Winter Park, FL | 79 out of 100, Strong | $44.7M | 99.2% | 0.00% | vs |
| Gala BankBank Ocala, FL | 73 out of 100, Strong | $44.9M | 22.1% | 0.00% | vs |
| Echelon BankBank Clearwater, FL | 75 out of 100, Strong | $52.2M | 67.4% | 0.00% | vs |
| Eastern National BankBank Miami, FL | 55 out of 100, Moderate | $65.2M | 8.0% | 0.08% | 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 Members Trust Company?
Yes. Members Trust Company is an FDIC-insured institution (FDIC certificate #57470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.0% of deposits ($250K) 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 91.41%, 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
Members Trust Company lists 1 office in 1 city. Most locations:
- Tampa, FL (1)
Identity & history
Profile
- Legal name
- Members Trust Company
- Type
- Savings bank
- FDIC certificate #
- 57470
- RSSD ID
- 3219269
- Primary regulator
- OCC
- Established
- October 30, 2003
- Headquarters
- 14055 Riveredge Dr, Tampa, FL 33637
- Website
- www.memberstrust.com
- Employees
- 55
Quick answers
Members Trust Company: common questions
Is Members Trust Company FDIC insured?
Yes. Members Trust Company is an FDIC-insured institution (FDIC certificate #57470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Members Trust Company's TellerScore?
74 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 Members Trust Company ever failed?
There is no failure record for FDIC certificate #57470 in the FDIC failed bank list.
How many branches does Members Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tampa
| 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 |
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | 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 |