Surety Bank is a state-chartered bank headquartered in Deland, Florida, in business for about 100 years. At the end of Q2 2026 it reported $213.7M in total assets and $189.6M in deposits, with 2 offices.
Based on its Q2 2026 filing, Surety Bank scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 1st. Its strongest component is earnings (100/100; 2.06%), and its lowest is capital cushion (82/100; 13.24%).
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 (89 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 86 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 90 |
| Q4 2025 | 91 |
| Q1 2026 | 86 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.96% |
| Q3 2024 | 12.48% |
| Q4 2024 | 12.66% |
| Q1 2025 | 13.28% |
| Q2 2025 | 13.37% |
| Q3 2025 | 13.57% |
| Q4 2025 | 13.95% |
| Q1 2026 | 12.93% |
| Q2 2026 | 13.24% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.80% |
| Q3 2024 | 2.62% |
| Q4 2024 | 2.60% |
| Q1 2025 | 1.99% |
| Q2 2025 | 2.19% |
| Q3 2025 | 2.38% |
| Q4 2025 | 2.43% |
| Q1 2026 | 1.68% |
| Q2 2026 | 2.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $213.7M | 13.24% | 0.22% | 2.06% | 53.5% |
| Q1 2026 | 86 | $222.9M | 12.93% | 0.25% | 1.68% | 48.7% |
| Q4 2025 | 91 | $192.6M | 13.95% | 0.29% | 2.43% | 53.4% |
| Q3 2025 | 90 | $204.2M | 13.57% | 0.34% | 2.38% | 43.9% |
| Q2 2025 | 89 | $212.5M | 13.37% | 0.34% | 2.19% | 43.7% |
| Q1 2025 | 88 | $213.1M | 13.28% | 0.45% | 1.99% | 35.3% |
| Q4 2024 | 89 | $192.5M | 12.66% | 0.45% | 2.60% | 41.3% |
| Q3 2024 | 86 | $205.8M | 12.48% | 0.46% | 2.62% | 39.7% |
| Q2 2024 | 84 | $206.0M | 11.96% | 0.46% | 2.80% | 40.9% |
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 |
|---|---|---|---|---|---|
| Madison County Community BankBank Madison, FL | 66 out of 100, Moderate | $211.7M | 8.4% | 0.30% | vs |
| Commerce Bank & TrustBank Winter Park, FL | 44 out of 100, Below average | $197.9M | 10.5% | 3.44% | vs |
| Gulf Coast Business BankBank Fort Myers, FL | 70 out of 100, Strong | $186.6M | 12.5% | 0.00% | vs |
| Lafayette State BankBank Mayo, FL | 74 out of 100, Strong | $252.2M | 9.9% | 0.06% | vs |
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Surety Bank?
Yes. Surety Bank is an FDIC-insured institution (FDIC certificate #33026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.6% of deposits ($54.3M) 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 13.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.93% (benchmark: 10%).
2 locations
Branches
Surety Bank lists 2 offices in 2 cities. Most locations:
- Deland, FL (1)
- Pierson, FL (1)
Identity & history
Profile
- Legal name
- Surety Bank
- Former names
- The Surety Building and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 33026
- RSSD ID
- 374774
- Primary regulator
- FDIC
- Holding company
- Surety Financial Holdings Inc
- Established
- January 1, 1926
- Headquarters
- 990 N Woodland Blvd, Deland, FL 32720
- Website
- www.surety.bank
- Employees
- 37
Quick answers
Surety Bank: common questions
Is Surety Bank FDIC insured?
Yes. Surety Bank is an FDIC-insured institution (FDIC certificate #33026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Surety Bank's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Surety Bank ever failed?
There is no failure record for FDIC certificate #33026 in the FDIC failed bank list.
How many branches does Surety Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Deland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Credit UnionCredit union New Rockford, ND | 95 out of 100, Very strong | $171.6M | 17.7% | 0.22% | vs |
| Financial Educators Federal Credit UnionCredit union Daytona Beach, FL | 90 out of 100, Very strong | $23.5M | 15.7% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| The First National Bank of Mount DoraBank Mount Dora, FL | 77 out of 100, Strong | $358.0M | 12.3% | 0.41% | vs |
| United Southern BankBank Umatilla, FL | 76 out of 100, Strong | $843.0M | 10.8% | 0.44% | vs |
| Fairwinds Credit UnionCredit union Orlando, FL | 73 out of 100, Strong | $5.3B | 11.2% | 0.46% | vs |