The Bank of Tampa is a state-chartered bank headquartered in Tampa, Florida, in business for about 53 years. At the end of Q2 2026 it reported $3.0B in total assets and $2.7B in deposits, with 13 offices.
The Bank of Tampa has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 37th. Problem-loan coverage contributes the most (96/100, 1.9%); funding & liquidity contributes the least (42/100, 76% loans-to-deposits, 53% uninsured).
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 (70 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 70 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.38% |
| Q3 2024 | 9.81% |
| Q4 2024 | 9.89% |
| Q1 2025 | 10.23% |
| Q2 2025 | 10.43% |
| Q3 2025 | 10.49% |
| Q4 2025 | 10.57% |
| Q1 2026 | 10.82% |
| Q2 2026 | 10.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $3.0B | 10.97% | 0.29% | 1.25% | 75.7% |
| Q1 2026 | 70 | $3.1B | 10.82% | 0.31% | 1.22% | 70.4% |
| Q4 2025 | 70 | $2.9B | 10.57% | 0.18% | 1.19% | 72.9% |
| Q3 2025 | 70 | $3.1B | 10.49% | 0.21% | 1.19% | 67.8% |
| Q2 2025 | 70 | $3.0B | 10.43% | 0.21% | 1.17% | 68.0% |
| Q1 2025 | 70 | $3.0B | 10.23% | 0.17% | 1.11% | 66.1% |
| Q4 2024 | 69 | $3.0B | 9.89% | 0.17% | 1.08% | 64.5% |
| Q3 2024 | 67 | $3.0B | 9.81% | 0.28% | 1.04% | 63.7% |
| Q2 2024 | 66 | $2.9B | 9.38% | 0.28% | 0.99% | 63.9% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| U. S. Century BankBank Doral, FL | 69 out of 100, Moderate | $3.0B | 10.0% | 0.09% | vs |
| Banco do Brasil AmericasBank Miami, FL | 72 out of 100, Strong | $3.5B | 10.9% | 0.83% | vs |
| Newtek Bank, National AssociationBank Miami, FL | 41 out of 100, Below average | $2.5B | 8.6% | 7.19% | vs |
| Cogent BankBank Orlando, FL | 72 out of 100, Strong | $2.5B | 9.7% | 0.39% | vs |
| Pibank, National AssociationBank Miami, FL | 63 out of 100, Moderate | $2.4B | 9.7% | 0.13% | vs |
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | vs |
Deposit insurance
Is my money safe at The Bank of Tampa?
Yes. The Bank of Tampa is an FDIC-insured institution (FDIC certificate #21031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 53.4% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.77% (benchmark: 10%).
13 locations
Branches
The Bank of Tampa lists 13 offices in 8 cities. Most locations:
- Tampa, FL (6)
- Bradenton, FL (1)
- Brandon, FL (1)
- Clearwater, FL (1)
- Largo, FL (1)
- Plant City, FL (1)
- Saint Petersburg, FL (1)
- Sarasota, FL (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of Tampa reported 385 home-loan applications under HMDA (LEI 549300H3F1P2EQW0FC36): 251 originated ($148,835,000 total), 90 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.9%, 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.
Identity & history
Profile
- Legal name
- The Bank of Tampa
- Former names
- Independent Bank of Florida; Popular Bank of Tampa; North American Bank of Tampa
- Type
- State-chartered bank
- FDIC certificate #
- 21031
- RSSD ID
- 273336
- Primary regulator
- FDIC
- Holding company
- Tampa Bay Banking Co
- Established
- March 30, 1973
- Headquarters
- 601 Bayshore Blvd, Tampa, FL 33606
- Website
- www.bankoftampa.com
- Employees
- 295
Quick answers
The Bank of Tampa: common questions
Is The Bank of Tampa FDIC insured?
Yes. The Bank of Tampa is an FDIC-insured institution (FDIC certificate #21031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Tampa's TellerScore?
70 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 The Bank of Tampa ever failed?
There is no failure record for FDIC certificate #21031 in the FDIC failed bank list.
How many branches does The Bank of Tampa have?
13 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 |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |