TellerScore

The First National Bank of Mount Dora (FDIC certificate #3579) is based in Mount Dora, Florida. Its Q2 2026 call report shows $358.0M in total assets and $317.6M in deposits and 3 offices.

Based on its Q2 2026 filing, The First National Bank of Mount Dora scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 10th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (47/100; 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.31%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.41%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 43.3% · 19.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.45%

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 rose 2 points (75 → 77), mostly because the capital cushion component improved by 7 points.

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202477
Q1 202576
Q2 202575
Q3 202577
Q4 202572
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%8.72%12.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.42%
Q3 202411.82%
Q4 202411.63%
Q1 202512.12%
Q2 202511.65%
Q3 202511.64%
Q4 202511.72%
Q1 202612.43%
Q2 202612.31%
Noncurrent loans
0.12%0.34%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.22%
Q4 20240.21%
Q1 20250.34%
Q2 20250.32%
Q3 20250.12%
Q4 20250.55%
Q1 20260.57%
Q2 20260.41%
Return on assets
0.55%0.75%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.96%
Q3 20240.89%
Q4 20240.72%
Q1 20250.62%
Q2 20250.64%
Q3 20250.58%
Q4 20250.55%
Q1 20260.86%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$358.0M12.31%0.41%0.67%43.3%
Q1 202676$354.9M12.43%0.57%0.86%42.7%
Q4 202572$361.8M11.72%0.55%0.55%41.0%
Q3 202577$373.9M11.64%0.12%0.58%39.6%
Q2 202575$373.2M11.65%0.32%0.64%40.2%
Q1 202576$369.7M12.12%0.34%0.62%38.4%
Q4 202477$351.4M11.63%0.21%0.72%37.3%
Q3 202479$358.2M11.82%0.22%0.89%36.2%
Q2 202478$363.3M11.42%0.27%0.96%35.4%

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).

Capital ratio12.31%
68th
Total risk-based capital0.00%
24th
Problem loans0.41%
50th
Net charge-offs0.00%
68th
Return on assets0.67%
17th
Net interest margin3.29%
19th
Efficiency ratio84.7%
9th
Loans to deposits43.3%
95th
Uninsured deposits19.6%
66th
Loan-loss reserves1.53%
81st
Texas ratio1.4%
64th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Interamerican Bank, A FSBBank Miami, FL65 out of 100, Moderate$355.7M11.2%0.73%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Gulfside BankBank Sarasota, FL76 out of 100, Strong$344.6M11.2%0.00%vs
TCM Bank, National AssociationBank Tampa, FL57 out of 100, Moderate$382.4M18.3%0.93%vs
Central BankBank Tampa, FL63 out of 100, Moderate$386.8M9.1%0.04%vs
Locality BankBank Fort Lauderdale, FL55 out of 100, Moderate$396.2M12.9%1.55%vs

Deposit insurance

Is my money safe at The First National Bank of Mount Dora?

Yes. The First National Bank of Mount Dora is an FDIC-insured institution (FDIC certificate #3579). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.6% of deposits ($62.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.31%, 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

3 locations

Branches

The First National Bank of Mount Dora lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Mount Dora reported 58 home-loan applications under HMDA (LEI 2549001SGCT0DXW9UA79): 37 originated ($15,405,000 total), 7 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.6%, 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 First National Bank of Mount Dora
Type
National bank
FDIC certificate #
3579
RSSD ID
61832
Primary regulator
OCC
Holding company
Fnbmd Bancshares Inc
Established
September 1, 1925
Headquarters
714 N Donnelly St, Mount Dora, FL 32757
Employees
86

Quick answers

The First National Bank of Mount Dora: common questions

Is The First National Bank of Mount Dora FDIC insured?

Yes. The First National Bank of Mount Dora is an FDIC-insured institution (FDIC certificate #3579). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Mount Dora's TellerScore?

77 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 First National Bank of Mount Dora ever failed?

There is no failure record for FDIC certificate #3579 in the FDIC failed bank list.

How many branches does The First National Bank of Mount Dora have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Dora

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Surety BankBank Deland, FL90 out of 100, Very strong$213.7M13.2%0.22%vs
Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL89 out of 100, Very strong$5.5M24.2%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First Colony Bank of FloridaBank Maitland, FL79 out of 100, Strong$291.1M9.9%0.17%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs