Rank the Banks Report

Florida Second Quarter 2014

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax)

Belief Strength Purpose

Rank the Banks Report - Florida Second Quarter 2014

Table of Contents:

1) Bank Listing (page 1-5)

Company name

City

Parent Company

Date Established

Number of Offices

Total Employees

S Corp

Total Assets

ROAA

ROAE

3) Ranking by Net Interest Margin (11-14)

City

Total Assets

Yield on Loans

Loan Growth Rate

Cost of Funds

Deposit Growth Rate

Loans/ Deposits

Yield on Investment Security (FTE)

Net Interest Margin

5) Ranking by Total Overhead (19-22)

City

Total Assets

Efficiency Ratio (FTE)

Total Employees

Number of Offices

Personnel Expense/ Average Assets

Occupancy Expense/ Average Assets

Other Expense/ Average Assets

Total Overhead/ Average Assets

7) Ranking by ROAE (27-31) City

Total Assets

LTM Net Income/ Employee

LTM Net Income

13Q2 LTM Net Income

12Q2 LTM Net Income

ROAA

ROAE

2) Ranking by Total Assets (6-10)

City

Leverage Ratio

Tier 1 Risk-based Ratio

Total Deposits

Deposits/ Office

Assets/ Employees

Salary Expense/ Employees

Total Assets

4) Ranking by Noninterest Income (15-18)

City

Total Assets

Net Income

Service Charges on Deposits/ Average Assets

Gain on Sale of Loans/ Average Assets

Servicing Fees/ Average Assets

Net Gains on OREO/ Average Assets

Total Noninterest Income

Noninterest Income/ Average Assets

6) Ranking by Asset Quality (23-26)

City

Total Assets

Gross Loans

Loan Loss Reserves/ Gross Loans

Adj. Loans 30-89 Days PD/ Loans

Adj. 90 Days PD/ Loans

Adj. NPLs + Adj OREO/Loans

Net Chargeoffs/ Average Loans

Asset Quality Composite

8) Overall Ranking (32-36) City

Total Assets

Net Interest Margin Ranking

Noninterest Income Ranking

Total Overhead Ranking

Asset Quality Ranking

ROAE Ranking

Overall Ranking

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax)

Belief Strength Purpose

Rank the Banks Report - Florida Second Quarter 2014

Excluded Banks:

Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report.

Banco Do Brasil AmericasCanandaigua

Canandaigua National Trust Company of Florida

City National Bank of Florida

Desjardins Bank, National Association

Espirito Santo Bank

MEMBERS Trust Company

Mercantil Commercebank Trust Company, National Association

Mercantil Commercebank, National Association

Natbank, National Association

Pacific National Bank

Raymond James Trust, National Association

Sabadell United Bank, N.A.

TotalBank

Calculation Notes:

All data in this report is bank-level and is as of or for the last twelve months ending June 30, 2014.

Asset quality index is based on the sum of: Adjusted Loans 30-89 PD/Loans + Adjusted Loans 90 PD/Loans + Adjusted NPLs + Adjusted OREO/Loans + Net Chargeoffs/Avg Loans.

Overall ranking is based on an unweighted average of NIM ranking, Noninterest Income ranking, Total Overhead ranking, Asset Quality rankings and ROAE ranking.

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax)

Belief Strength Purpose

Rank the Banks Report - Florida Second Quarter 2014

Banks Street Partners Team BSP Services BSP Downloads

Lee Burrows - lburrows@banksstreetpartners.com -

404-848-8480

Mergers and Acquisitions

Branch Sales and Purchases

Capital Raising Initiatives

Subordinated Debt Offerings (retail and

institutional)

Failed Bank Acquisitions

363 Bankruptcy Transactions

Strategic Planning

Valuations and Fairness Opinions

Board and Management Consulting

Financial Modeling

Disposition of Distressed Assets

TARP/Preferred Stock and SBLF

Repayment Plans

Share Repurchase Plans and Modified

Dutch Auctions

Southeastern Publicly Traded Data

Southeastern M&A Bank Data

Quarterly Texas Ratio Analysis

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downloads/ to access and download all

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Gary McNorrill - gmcnorrill@banksstreetpartners.com

704-927-6244

Mark Saunders - msaunders@banksstreetpartners.com 404-848-2686

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404-848-2662

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704-927-6251

William Izlar wizlar@banksstreetpartners.com 404-848-2665

Florida - Bank Listing

Company Name City Parent Company

Date

Established

Number

of

Offices

Total

Employees

S Corp

(Yes/No)

Total

Assets

($000)

ROAA

(%)

ROAE

(%)

1st Manatee Bank Parrish 11/13/2007 3 28 No 105,684 1.23 11.75

1st National Bank of South Florida Homestead Hometown of Homestead Banking Company 11/1/1932 7 90 No 318,308 0.59 6.60

1st United Bank Boca Raton 1st United Bancorp, Inc. 4/20/2000 22 287 No 1,695,123 0.51 4.11

Alarion Bank Ocala Alarion Financial Services, Inc. 2/28/2005 6 91 No 282,804 0.43 5.08

American Enterprise Bank of Florida Jacksonville American Enterprise Bankshares, Inc. 2/23/2004 2 43 No 201,460 -0.03 -0.32

American National Bank Oakland Park ANB Holdings, Inc. 10/15/1985 1 39 No 255,071 0.73 5.74

Anchor Commercial Bank Juno Beach 3/23/2005 2 22 No 105,802 1.97 28.87

Apollo Bank Miami Apollo Bancshares, Inc. 10/1/2001 8 55 No 296,435 1.81 16.45

Atlantic Coast Bank Jacksonville Atlantic Coast Financial Corporation 3/27/1939 12 159 No 711,596 -1.03 -13.95

BAC Florida Bank Coral Gables 10/12/1973 1 157 No 1,492,512 0.65 7.47

Banesco USA Coral Gables 1/10/2006 6 218 No 864,076 0.24 2.58

Bank of Belle Glade Belle Glade Belle Glade Bank Corporation 11/14/1963 1 17 No 90,174 0.33 4.04

Bank of Central Florida Lakeland 3/19/2007 4 57 No 346,252 0.72 7.08

Bank of Commerce Sarasota Bank of Commerce Holdings, Inc. 9/1/2000 3 33 No 212,510 -0.28 -17.36

Bank of Coral Gables Coral Gables 6/5/2006 1 21 No 98,865 0.19 3.20

Bank of Pensacola Pensacola Five Flags Banks, Inc. 10/26/1973 2 16 No 64,490 -0.71 -3.44

Bank of Tampa Tampa Tampa Bay Banking Company 3/30/1973 10 218 No 1,319,479 0.65 8.48

Bank of the South Pensacola Five Flags Banks, Inc. 5/20/1964 2 20 No 75,757 -0.12 -0.57

BankFIRST Winter Park CapGen Capital Group LP 7/19/1989 12 129 No 685,283 0.61 2.91

BankUnited, National Association Miami Lakes BankUnited, Inc. 5/21/2009 107 1,626 No 16,858,264 1.45 12.96

Bay Cities Bank Tampa Florida Business BancGroup, Inc. 11/10/1999 5 87 No 536,760 0.80 6.47

Beach Community Bank Fort Walton Beach Beach Community Bancshares, Inc. 4/27/2001 11 114 No 569,486 -0.48 -9.52

Biscayne Bank Coconut Grove Biscayne Bancshares, Inc. 7/5/2005 3 45 No 398,363 1.28 14.51

Brannen Bank Inverness Brannen Banks of Florida, Inc. 7/1/1926 12 119 Yes 425,458 0.79 10.44

Broward Bank of Commerce Fort Lauderdale Broward Financial Holdings, Inc. 1/12/2009 2 28 No 168,483 1.08 9.27

C1 Bank Saint Petersburg C1 Financial, Inc. 11/17/1995 28 221 No 1,449,214 1.04 11.21

Calusa Bank Punta Gorda Calusa Financial Corporation, Inc. 4/23/2007 3 35 No 163,132 0.98 9.42

Capital Bank, National Association Coral Gables Capital Bank Financial Corp. 7/17/2010 164 1,515 No 6,625,503 0.87 5.13

Capital City Bank Tallahassee Capital City Bank Group, Inc. 6/13/1907 71 897 No 2,549,198 0.44 3.44

CBC National Bank Fernandina Beach Coastal Banking Company, Inc. 1/1/1999 4 358 No 442,064 0.29 2.63

CenterState Bank of Florida, National Association Winter Haven CenterState Banks, Inc. 2/21/1992 68 858 No 3,888,623 0.36 3.28

Central Bank Tampa Central Financial Holdings, Inc. 2/26/2007 1 22 No 80,224 -0.32 -2.13

Century Bank of Florida Tampa Century Bancshares of Florida, Inc. 9/11/2000 1 14 Yes 72,225 0.10 1.27

Charlotte State Bank & Trust Port Charlotte Crews Banking Corporation 11/3/1987 5 82 Yes 276,609 1.17 13.81

Citizens Bank and Trust Lake Wales Citizens Banking Corporation 5/13/1920 12 145 Yes 453,558 0.85 9.65

Citizens Bank of Florida Oviedo Citizens Bancorp of Oviedo, Inc. 7/1/1946 4 56 No 230,442 0.06 0.73

Citizens First Bank The Villages Villages Bancorporation, Inc. 7/1/1991 11 188 No 1,627,945 0.63 7.86

Citizens State Bank Perry Perry Banking Company, Inc. 7/7/1958 4 50 Yes 221,024 1.43 18.32

CNLBank Orlando CNLBancshares, Inc. 7/28/1997 16 175 No 1,275,394 0.12 1.31

Coconut Grove Bank Miami Coconut Grove Bankshares, Inc. 7/12/1926 5 95 No 611,178 4.11 26.75

Columbia Bank Lake City First Columbia Bancorp, Inc. 2/1/1912 4 57 Yes 185,982 -1.05 -11.29

Commerce National Bank & Trust Winter Park Commerce National Bankshares of Florida, Inc. 2/3/2003 1 30 Yes 80,180 0.64 6.34

Community Bank and Trust of Florida Ocala Florida Community Bankshares, Inc. 4/2/1998 11 124 No 620,370 0.77 7.19

Rank the Banks

Florida

1 of 36

Florida - Bank Listing

Company Name City Parent Company

Date

Established

Number

of

Offices

Total

Employees

S Corp

(Yes/No)

Total

Assets

($000)

ROAA

(%)

ROAE

(%)

Community Bank of Broward Dania Beach 1/22/2002 9 86 No 487,470 0.62 7.04

Community Bank of Florida, Inc. Homestead Community Bank of South Florida, Inc. 10/9/1973 11 140 No 487,709 0.56 6.40

Community Bank of the South Merritt Island CBOS Bankshares, Inc. 11/29/1999 3 22 No 142,225 0.42 3.80

Community Southern Bank Lakeland Community Southern Holdings, Inc. 8/28/2006 3 46 No 244,829 0.44 3.96

Community State Bank Starke Community State Bank Corporation 3/19/1957 2 29 Yes 61,801 0.31 2.39

Continental National Bank Miami Continental Bancorp 5/10/1974 7 104 No 364,384 0.37 4.04

Cornerstone Community Bank Saint Petersburg Cornerstone Bancorp, Inc. 3/15/1999 6 53 No 222,093 0.60 5.49

Drummond Community Bank Chiefland Drummond Banking Company 1/12/1990 11 120 Yes 369,826 1.30 10.69

Eastern National Bank Miami 9/3/1969 5 91 No 379,830 1.67 16.77

Edison National Bank Fort Myers Edison Bancshares, Inc. 8/29/1997 4 40 Yes 248,567 0.45 5.56

Encore Bank, National Association Naples Ovation Holdings, Inc. 6/4/2007 6 51 No 341,351 0.00 -0.03

Englewood Bank & Trust Englewood Crews Banking Corporation 4/4/1988 4 47 Yes 210,702 0.88 9.99

EverBank Jacksonville EverBank Financial Corp 10/1/1998 15 3,156 No 19,749,765 0.69 7.45

Executive National Bank Miami Executive Banking Corporation 6/2/1972 4 79 No 340,192 0.55 5.68

Farmers & Merchants Bank Monticello FMB Banking Corporation 1/5/1907 6 92 Yes 417,250 0.45 5.79

Fidelity Bank of Florida, National Association Merritt Island 11/26/1990 2 42 No 262,230 4.87 56.63

FineMark National Bank & Trust Fort Myers FineMark Holdings, Inc. 2/16/2007 8 109 No 767,526 0.37 4.63

First America Bank Bradenton First America Holdings Corporation 6/1/2004 5 63 No 265,835 0.21 1.83

First Avenue National Bank Ocala 11/16/2006 2 26 No 95,564 0.21 1.57

First Bank Clewiston Pioneer Bankcorp, Inc. 1/8/1922 5 84 No 269,360 0.44 4.93

First Bank of the Palm Beaches West Palm Beach 3/6/2006 1 20 No 94,495 -0.11 -1.18

First Citrus Bank Tampa First Citrus Bancorporation, Inc. 2/1/1999 5 59 No 234,351 0.18 1.72

First City Bank of Florida Fort Walton Beach Florida First City Banks, Inc. 11/17/1948 4 57 No 225,966 -0.20 -8.56

First Colony Bank of Florida Maitland 1/28/2008 1 17 Yes 155,672 1.40 12.67

First Federal Bank of Florida Lake City First Federal Bancorp, MHC 1/1/1962 20 331 No 1,036,084 0.84 6.86

First Florida Bank Destin First Florida Bancorp, Inc. 11/27/2006 4 52 No 270,353 1.12 10.06

First Florida Integrity Bank Naples TGR Financial, Inc. 12/3/2007 8 128 No 875,976 0.20 1.95

First Green Bank Mount Dora First Green Bancorp, Inc. 2/17/2009 5 62 No 287,979 0.73 6.37

First Home Bank Seminole First Home Bancorp, Inc. 2/12/1999 2 20 Yes 76,096 0.53 8.11

First National Bank Northwest Florida Panama City First Northwest Florida Holding Company 5/3/1984 2 34 Yes 106,798 0.33 2.44

First National Bank of Crestview Crestview FNBC Financial Corporation 2/8/1956 3 28 Yes 83,202 -1.73 -60.63

First National Bank of Mount Dora Mount Dora 9/1/1925 5 79 No 203,812 0.75 5.50

First National Bank of Pasco Dade City Florida Bancshares, Inc. 11/3/1986 3 35 No 143,407 0.44 4.52

First National Bank of South Miami South Miami First Miami Bancorp, Inc. 4/3/1952 5 93 No 558,413 0.26 3.59

First National Bank of Wauchula Wauchula First Hardee Holding Corporation 1/12/1960 1 30 Yes 78,482 0.24 2.58

First State Bank of Arcadia Arcadia Crews Banking Corporation 7/17/1973 2 43 Yes 142,240 0.81 7.27

First State Bank of the Florida Keys Key West First State Bank of the Florida Keys Holding Company 10/29/1955 12 175 Yes 792,873 0.66 7.54

FirstAtlantic Bank Jacksonville FirstAtlantic Financial Holdings, Inc. 11/1/1999 8 85 No 388,853 0.89 7.23

FirstCity Bank of Commerce Palm Beach Gardens 8/27/2007 1 13 Yes 60,959 0.26 2.68

Flagler Bank West Palm Beach 4/10/2000 2 21 Yes 163,936 1.41 15.58

Flagship Community Bank Clearwater 1/23/2006 2 25 No 94,424 0.00 0.01

Florida Bank Tampa Florida Bank Group, Inc. 7/3/1985 13 111 No 523,605 0.14 1.56

Florida Bank of Commerce Orlando FBC Bancorp, Inc. 12/12/2005 6 55 No 241,775 0.63 5.80

Rank the Banks

Florida

2 of 36

Florida - Bank Listing

Company Name City Parent Company

Date

Established

Number

of

Offices

Total

Employees

S Corp

(Yes/No)

Total

Assets

($000)

ROAA

(%)

ROAE

(%)

Florida Business Bank Melbourne Reserve Financial Associates, LLC 3/15/2000 1 16 No 107,462 0.61 4.79

Florida Capital Bank, N.A. Jacksonville Florida Capital Group, Inc. 8/12/1985 5 159 No 399,114 -2.29 -44.89

Florida Citizens Bank Gainesville OGS Investments, Inc. 12/23/1998 7 83 Yes 240,342 0.28 3.84

Florida Community Bank, National Association Weston FCB Financial Holdings, Inc. 1/22/2010 57 654 No 5,568,445 0.61 4.96

Floridian Bank Daytona Beach Floridian Financial Group, Inc. 3/20/2006 9 79 No 388,046 5.93 63.96

Floridian Community Bank, Inc. Davie Floridian Community Holdings, Inc. 3/10/2003 4 53 No 310,100 0.18 2.09

FNBT.Com Bank Fort Walton Beach Southern National Banks, Inc. 4/9/1956 11 100 Yes 375,680 0.94 7.71

Freedom Bank of America Saint Petersburg 4/4/2005 3 26 No 111,156 3.16 27.29

Friends Bank New Smyrna Beach 5/15/2000 3 29 No 99,076 -0.23 -4.55

Gateway Bank of Central Florida Ocala Gateway Financial Holdings of Florida, Inc. 5/29/2007 3 39 No 187,826 0.66 6.65

Gateway Bank of Florida Daytona Beach Gateway Financial Holdings of Florida, Inc. 1/26/2006 3 32 No 254,918 0.26 3.07

Gateway Bank of Southwest Florida Sarasota Gateway Financial Holdings of Florida, Inc. 5/19/2008 3 41 No 225,017 0.60 7.24

Gibraltar Private Bank & Trust Co. Coral Gables 1/1/1994 8 271 No 1,571,582 -0.45 -5.67

Grand Bank & Trust of Florida West Palm Beach Grand Bankshares, Inc. 2/1/1999 3 46 No 211,921 0.70 7.73

Gulf Coast Community Bank Pensacola 7/3/2003 5 47 No 150,124 0.01 0.71

GulfShore Bank Tampa Validus Holdings, LLLP 8/22/2007 2 38 No 262,656 0.40 4.43

Harbor Community Bank Indiantown HCBF Holding Company, Inc. 1/23/1960 17 201 No 694,523 0.73 5.81

Heartland National Bank Sebring Heartland Bancshares, Inc. 9/7/1999 4 52 No 309,186 0.52 5.67

Helm Bank USA Miami 12/8/1989 1 115 No 778,231 0.24 2.29

Highlands Independent Bank Sebring Highlands Independent Bancshares, Inc. 11/1/1985 6 69 No 251,430 -0.19 -3.67

Hillsboro Bank Plant City 7/6/1998 2 20 No 117,216 0.98 8.42

Home Federal Bank of Hollywood Hallandale Beach Home Bancgroup, Inc. 9/8/1998 1 17 No 48,181 -0.07 -1.05

HomeBanc National Association Lake Mary HomeBancorp, Inc. 4/23/2007 13 100 No 856,283 0.49 5.57

Independent Bankers' Bank of Florida Lake Mary Bankers' Bancorporation of Florida, Inc. 8/5/1983 1 29 No 168,925 -1.91 -54.71

Insignia Bank Sarasota 10/16/2006 2 44 No 171,695 0.43 3.32

Interamerican Bank, A FSB Miami 8/23/1976 5 69 No 222,005 0.32 2.99

Intercontinental Bank West Miami Intercontinental Bankshares, LLC 6/21/2002 1 20 No 155,396 0.02 0.22

Intercredit Bank, NA Miami 7/2/1984 5 79 No 313,500 0.34 4.28

International Finance Bank Miami 1/1/1982 4 88 No 357,807 0.11 0.92

Intracoastal Bank Palm Coast 6/16/2008 1 24 Yes 228,602 1.32 16.25

Jacksonville Bank Jacksonville Jacksonville Bancorp, Inc. 5/28/1999 9 99 No 493,725 0.26 2.72

Jefferson Bank of Florida Oldsmar Jefferson Bankshares, Inc. 12/3/2007 4 48 No 208,499 0.39 3.63

Lafayette State Bank Mayo 4/2/1946 4 33 No 101,176 -4.70 -58.74

Landmark Bank, National Association Fort Lauderdale Giant Holdings, Inc. 8/10/1998 5 43 No 365,156 1.05 7.09

Legacy Bank of Florida Boca Raton 5/15/2006 5 46 No 254,336 0.38 5.79

Mackinac Savings Bank, FSB Boynton Beach 7/15/1994 3 44 Yes 111,020 0.02 0.23

Madison County Community Bank Madison Madison Community Bancshares Corporation 5/5/1999 1 23 No 108,932 0.45 5.63

Mainstreet Community Bank of Florida Deland 10/24/2003 4 53 Yes 249,322 1.25 13.59

Marine Bank & Trust Company Vero Beach 7/1/1997 2 33 No 151,301 2.48 31.27

Marquis Bank Coral Gables 8/13/2007 1 32 No 252,937 0.54 4.36

Merchants & Southern Bank Gainesville Merchants & Southern Banks of Florida, Inc. 11/25/1959 13 117 Yes 416,765 1.07 11.42

Nature Coast Bank Hernando 3/7/2005 2 16 No 57,976 0.36 2.87

New Traditions Bank Orlando Old Florida Bancshares, Inc. 8/25/2008 3 46 No 518,173 0.60 6.12

Rank the Banks

Florida

3 of 36

Florida - Bank Listing

Company Name City Parent Company

Date

Established

Number

of

Offices

Total

Employees

S Corp

(Yes/No)

Total

Assets

($000)

ROAA

(%)

ROAE

(%)

NorthStar Bank Tampa NorthStar Banking Corporation 8/6/2007 2 33 No 208,254 0.14 1.38

Ocean Bank Miami Ocean Bankshares, Inc. 12/9/1982 21 682 No 3,273,128 1.03 9.16

Oculina Bank Fort Pierce Colonial Banc Corp. 1/2/2004 8 56 No 170,361 0.79 8.09

Old Florida Bank Orlando Old Florida Bancshares, Inc. 12/15/1982 11 177 No 833,294 0.78 8.36

One South Bank Chipley One South Financial, Inc. 10/29/2008 1 9 Yes 38,096 0.16 1.00

OptimumBank Plantation OptimumBank Holdings, Inc. 11/1/2000 3 18 No 128,168 -0.33 -6.35

Palm Beach Community Bank West Palm Beach 4/7/2008 6 45 Yes 250,594 1.32 10.48

Paradise Bank Boca Raton 7/25/2005 3 49 Yes 311,645 1.87 20.60

Patriot Bank Trinity 10/22/2004 4 22 No 125,423 0.50 4.10

Peoples Bank of Graceville Graceville PBG Financial Services, Inc. 7/12/1974 1 15 Yes 84,934 1.52 11.27

Peoples National Bank Niceville Bankshares Corporation of Niceville 6/16/1986 3 38 No 115,522 0.38 5.18

Peoples State Bank Lake City PSB BancGroup, Inc. 4/28/1999 2 22 No 70,596 0.23 2.41

Pilot Bank Tampa Pilot Bancshares, Inc. 9/4/1987 5 52 No 216,069 -0.35 -3.45

Pinnacle Bank Orange City Pinnacle Bank Holding Company, Inc. 9/10/1999 2 24 No 167,648 -2.30 -112.36

Platinum Bank Brandon Platinum Bank Holding Company 12/8/1997 7 94 Yes 462,473 0.78 6.97

Plus International Bank Miami 9/14/2001 1 17 No 97,285 0.36 2.53

Preferred Community Bank Fort Myers 4/16/2007 3 23 No 88,414 0.48 3.83

Prime Meridian Bank Tallahassee Prime Meridian Holding Company 2/4/2008 2 42 No 206,195 0.40 4.73

ProBank Tallahassee Pro Financial Holdings, Inc. 9/5/2007 2 13 No 50,818 -1.67 -34.99

Professional Bank Coral Gables Professional Holding Corp. 9/8/2008 2 35 No 246,128 0.67 8.15

Raymond James Bank, National Association Saint Petersburg Raymond James Financial, Inc. 5/7/1994 1 170 No 12,141,114 1.42 13.86

Regent Bank Davie Regent Bancorp, Inc. 7/11/1986 5 94 No 357,033 -3.51 -41.98

Reunion Bank of Florida Tavares 10/6/2008 4 44 No 260,375 0.61 6.45

Sabal Palm Bank Sarasota 10/10/2006 2 21 No 103,471 -1.25 -8.64

Sanibel Captiva Community Bank Sanibel 1/21/2003 3 44 No 254,623 0.78 7.87

Seacoast National Bank Stuart Seacoast Banking Corporation of Florida 10/2/1926 35 490 No 2,291,658 2.24 20.39

Seaside National Bank & Trust Orlando Three Shores Bancorporation, Inc. 10/31/2006 13 150 No 1,020,958 0.17 1.71

SouthBank, A Federal Savings Bank Palm Beach GardensCommonwealth Savingshares Corporation 10/8/1993 1 4 Yes 22,747 -1.48 -22.06

Southern Commerce Bank, National Association Tampa Dickinson Financial Corporation II 6/8/1987 8 34 No 75,457 16.42 61.03

Stonegate Bank Pompano Beach 3/7/2005 19 195 No 1,657,571 0.63 5.74

Summit Bank, National Association Panama City Summit Financial Enterprises, Inc. 4/8/2008 3 41 No 295,003 0.93 6.96

Sunrise Bank Cocoa Beach 8/1/2005 2 23 No 111,076 0.85 8.45

Sunshine Savings Bank Tallahassee Sunshine Financial, Inc. 1/1/1952 6 56 No 148,626 0.00 0.02

Sunshine State Bank Plant City Sunshine Bancorp, Inc. 11/26/1954 5 60 No 311,779 -0.09 -0.71

Sunstate Bank Miami 3/15/1999 3 38 No 165,942 2.01 15.64

Surety Bank Deland 1/1/1926 2 25 Yes 97,703 -0.67 -6.51

TCM Bank, National Association Tampa Independent Community Bankers of America 5/18/1998 1 45 No 176,084 1.72 7.17

Terrabank, N.A. Miami 11/21/1985 3 75 No 277,635 0.61 5.93

TransCapital Bank Sunrise 7/26/1999 3 26 Yes 166,642 1.30 10.55

U.S. Century Bank Doral 10/28/2002 22 239 No 853,887 -0.26 -4.89

United Legacy Bank Longwood United Group Banking Company of Florida, Inc. 12/28/2001 5 36 No 233,522 0.28 2.82

United Southern Bank Umatilla UniSouth, Inc. 3/1/1937 13 131 No 403,564 0.51 4.91

Urban Trust Bank Lake Mary Urban Trust Holdings, Inc. 1/1/1962 22 146 No 617,161 0.58 4.17

Rank the Banks

Florida

4 of 36

Florida - Bank Listing

Company Name City Parent Company

Date

Established

Number

of

Offices

Total

Employees

S Corp

(Yes/No)

Total

Assets

($000)

ROAA

(%)

ROAE

(%)

USAmeriBank Clearwater USAmeriBancorp, Inc. 2/12/2007 28 496 No 2,985,572 1.24 13.64

Warrington Bank Pensacola Five Flags Banks, Inc. 1/1/1952 2 20 No 82,522 0.32 1.73

Wauchula State Bank Wauchula Crews Banking Corporation 4/1/1929 6 143 Yes 601,491 1.58 15.67

Rank the Banks

Florida

5 of 36

Florida - Total Assets

Ranking Company Name City

Leverage Ratio

(%)

Tier 1 Risk-

based Ratio

(%)

Total

Deposits

($000)

Deposits/

Office

Assets/

Employees

($000)

Salary Exp/

Employees

($000)

Total

Assets

($000)

1 EverBank Jacksonville 8.27 12.92 13,958,973 930,598 6,258 128 19,749,765

2 BankUnited, National Association Miami Lakes 9.87 15.10 12,245,414 114,443 10,368 102 16,858,264

3 Raymond James Bank, National Association Saint Petersburg 10.35 11.38 10,276,342 10,276,342 71,418 139 12,141,114

4 Capital Bank, National Association Coral Gables 14.14 17.98 5,205,707 31,742 4,373 61 6,625,503

5 Florida Community Bank, National Association Weston 10.76 14.37 3,966,466 69,587 8,514 81 5,568,445

6 CenterState Bank of Florida, National Association Winter Haven 9.89 13.17 3,307,445 48,639 4,532 70 3,888,623

7 Ocean Bank Miami 8.99 12.31 2,860,951 136,236 4,799 77 3,273,128

8 USAmeriBank Clearwater 8.78 10.65 2,456,461 87,731 6,019 80 2,985,572

9 Capital City Bank Tallahassee 10.41 16.40 2,125,183 29,932 2,842 68 2,549,198

10 Seacoast National Bank Stuart 9.80 15.94 1,806,459 51,613 4,677 79 2,291,658

11 1st United Bank Boca Raton 9.45 13.62 1,407,395 63,973 5,906 89 1,695,123

12 Stonegate Bank Pompano Beach 10.43 13.54 1,414,721 74,459 8,500 96 1,657,571

13 Citizens First Bank The Villages 7.94 22.84 1,393,486 126,681 8,659 57 1,627,945

14 Gibraltar Private Bank & Trust Co. Coral Gables 8.12 12.02 1,224,434 153,054 5,799 127 1,571,582

15 BAC Florida Bank Coral Gables 8.35 17.28 1,167,958 1,167,958 9,506 107 1,492,512

16 C1 Bank Saint Petersburg 9.73 11.98 1,135,451 40,552 6,558 80 1,449,214

17 Bank of Tampa Tampa 8.16 11.91 1,209,566 120,957 6,053 88 1,319,479

18 CNLBank Orlando 5.91 8.75 1,026,614 64,163 7,288 99 1,275,394

19 First Federal Bank of Florida Lake City 11.79 17.40 850,906 42,545 3,130 78 1,036,084

20 Seaside National Bank & Trust Orlando 8.89 11.11 879,189 67,630 6,806 118 1,020,958

21 First Florida Integrity Bank Naples 8.87 12.74 650,309 81,289 6,844 94 875,976

22 Banesco USA Coral Gables 10.06 13.48 761,786 126,964 3,964 99 864,076

23 HomeBanc National Association Lake Mary 8.67 22.24 630,942 48,534 8,563 142 856,283

24 U.S. Century Bank Doral 5.39 6.51 757,509 34,432 3,573 67 853,887

25 Old Florida Bank Orlando 9.44 10.57 744,103 67,646 4,708 89 833,294

26 First State Bank of the Florida Keys Key West 9.05 17.36 560,741 46,728 4,531 68 792,873

27 Helm Bank USA Miami 11.19 25.80 685,559 685,559 6,767 93 778,231

28 FineMark National Bank & Trust Fort Myers 8.47 13.50 618,869 77,359 7,042 119 767,526

29 Atlantic Coast Bank Jacksonville 10.17 17.49 446,487 37,207 4,475 55 711,596

30 Harbor Community Bank Indiantown 11.56 19.87 563,977 33,175 3,455 55 694,523

31 BankFIRST Winter Park 11.23 15.65 516,901 43,075 5,312 77 685,283

32 Community Bank and Trust of Florida Ocala 10.63 20.52 553,747 50,341 5,003 63 620,370

33 Urban Trust Bank Lake Mary 14.40 23.89 467,658 21,257 4,227 67 617,161

34 Coconut Grove Bank Miami 16.11 40.62 499,056 99,811 6,433 106 611,178

35 Wauchula State Bank Wauchula 10.53 15.73 523,364 87,227 4,206 61 601,491

36 Beach Community Bank Fort Walton Beach 4.81 5.98 505,011 45,910 4,995 63 569,486

37 First National Bank of South Miami South Miami 8.45 16.76 451,700 90,340 6,004 78 558,413

38 Bay Cities Bank Tampa 11.06 15.39 453,460 90,692 6,170 101 536,760

39 Florida Bank Tampa 10.51 16.75 405,777 31,214 4,717 81 523,605

40 New Traditions Bank Orlando 9.56 13.71 461,673 153,891 11,265 84 518,173

41 Jacksonville Bank Jacksonville 9.92 13.25 422,820 46,980 4,987 85 493,725

42 Community Bank of Florida, Inc. Homestead 7.88 10.45 441,671 40,152 3,484 64 487,709

43 Community Bank of Broward Dania Beach 9.05 10.31 419,317 46,591 5,668 95 487,470

Rank the Banks

Florida

6 of 36

Florida - Total Assets

Ranking Company Name City

Leverage Ratio

(%)

Tier 1 Risk-

based Ratio

(%)

Total

Deposits

($000)

Deposits/

Office

Assets/

Employees

($000)

Salary Exp/

Employees

($000)

Total

Assets

($000)

44 Platinum Bank Brandon 11.35 14.04 376,059 53,723 4,920 84 462,473

45 Citizens Bank and Trust Lake Wales 8.97 13.63 386,346 32,196 3,128 61 453,558

46 CBC National Bank Fernandina Beach 10.33 19.35 292,398 73,100 1,235 63 442,064

47 Brannen Bank Inverness 7.27 19.66 391,985 32,665 3,575 44 425,458

48 Farmers & Merchants Bank Monticello 9.17 13.46 347,620 57,937 4,535 66 417,250

49 Merchants & Southern Bank Gainesville 10.11 15.48 328,493 25,269 3,562 48 416,765

50 United Southern Bank Umatilla 10.19 14.94 357,294 27,484 3,081 52 403,564

51 Florida Capital Bank, N.A. Jacksonville 6.33 9.40 345,089 69,018 2,510 110 399,114

52 Biscayne Bank Coconut Grove 8.86 12.68 346,297 115,432 8,853 84 398,363

53 FirstAtlantic Bank Jacksonville 12.40 16.64 327,250 40,906 4,575 81 388,853

54 Floridian Bank Daytona Beach 11.02 13.92 327,044 36,338 4,912 55 388,046

55 Eastern National Bank Miami 9.54 14.63 322,157 64,431 4,174 76 379,830

56 FNBT.Com Bank Fort Walton Beach 12.14 23.45 306,225 27,839 3,757 72 375,680

57 Drummond Community Bank Chiefland 12.70 22.67 312,138 28,376 3,082 58 369,826

58 Landmark Bank, National Association Fort Lauderdale 13.62 14.94 287,845 57,569 8,492 92 365,156

59 Continental National Bank Miami 9.21 17.24 322,811 46,116 3,504 66 364,384

60 International Finance Bank Miami 9.74 15.59 312,548 78,137 4,066 75 357,807

61 Regent Bank Davie 7.22 10.35 319,164 63,833 3,798 89 357,033

62 Bank of Central Florida Lakeland 10.52 13.68 304,459 76,115 6,075 85 346,252

63 Encore Bank, National Association Naples 8.79 14.03 295,357 49,226 6,693 87 341,351

64 Executive National Bank Miami 9.12 15.76 290,791 72,698 4,306 78 340,192

65 1st National Bank of South Florida Homestead 9.39 15.46 257,742 36,820 3,537 55 318,308

66 Intercredit Bank, NA Miami 9.16 14.09 232,968 46,594 3,968 92 313,500

67 Sunshine State Bank Plant City 8.04 23.53 165,907 33,181 5,196 59 311,779

68 Paradise Bank Boca Raton 10.05 13.16 279,973 93,324 6,360 110 311,645

69 Floridian Community Bank, Inc. Davie 8.91 10.82 239,460 59,865 5,851 90 310,100

70 Heartland National Bank Sebring 9.26 16.78 277,510 69,378 5,946 69 309,186

71 Apollo Bank Miami 9.94 11.99 259,813 32,477 5,390 96 296,435

72 Summit Bank, National Association Panama City 13.44 19.42 243,074 81,025 7,195 119 295,003

73 First Green Bank Mount Dora 12.53 13.15 253,012 50,602 4,645 72 287,979

74 Alarion Bank Ocala 8.03 10.80 237,198 39,533 3,108 63 282,804

75 Terrabank, N.A. Miami 10.33 14.29 241,594 80,531 3,702 76 277,635

76 Charlotte State Bank & Trust Port Charlotte 9.17 15.39 248,007 49,601 3,373 54 276,609

77 First Florida Bank Destin 11.88 21.02 241,166 60,292 5,199 82 270,353

78 First Bank Clewiston 8.45 11.92 244,956 48,991 3,207 59 269,360

79 First America Bank Bradenton 10.09 11.75 221,993 44,399 4,220 62 265,835

80 GulfShore Bank Tampa 9.19 13.41 223,244 111,622 6,912 95 262,656

81 Fidelity Bank of Florida, National Association Merritt Island 7.32 11.57 181,748 90,874 6,244 77 262,230

82 Reunion Bank of Florida Tavares 9.81 10.73 235,806 58,952 5,918 84 260,375

83 American National Bank Oakland Park 12.57 16.65 219,975 219,975 6,540 85 255,071

84 Gateway Bank of Florida Daytona Beach 9.60 18.75 228,815 76,272 7,966 81 254,918

85 Sanibel Captiva Community Bank Sanibel 9.98 14.20 214,722 71,574 5,787 80 254,623

86 Legacy Bank of Florida Boca Raton 8.19 10.84 228,971 45,794 5,529 84 254,336

Rank the Banks

Florida

7 of 36

Florida - Total Assets

Ranking Company Name City

Leverage Ratio

(%)

Tier 1 Risk-

based Ratio

(%)

Total

Deposits

($000)

Deposits/

Office

Assets/

Employees

($000)

Salary Exp/

Employees

($000)

Total

Assets

($000)

87 Marquis Bank Coral Gables 11.76 14.79 216,228 216,228 7,904 97 252,937

88 Highlands Independent Bank Sebring 5.47 9.94 235,251 39,209 3,644 55 251,430

89 Palm Beach Community Bank West Palm Beach 12.49 16.68 210,250 35,042 5,569 84 250,594

90 Mainstreet Community Bank of Florida Deland 9.49 10.44 219,358 54,840 4,704 73 249,322

91 Edison National Bank Fort Myers 8.02 18.81 216,919 54,230 6,214 80 248,567

92 Professional Bank Coral Gables 8.72 13.21 213,390 106,695 7,032 100 246,128

93 Community Southern Bank Lakeland 11.62 15.30 191,482 63,827 5,322 76 244,829

94 Florida Bank of Commerce Orlando 9.93 12.80 211,986 35,331 4,396 72 241,775

95 Florida Citizens Bank Gainesville 8.30 11.39 218,963 31,280 2,896 49 240,342

96 First Citrus Bank Tampa 10.34 11.62 185,142 37,028 3,972 69 234,351

97 United Legacy Bank Longwood 8.88 11.85 202,930 40,586 6,487 91 233,522

98 Citizens Bank of Florida Oviedo 8.89 13.05 203,637 50,909 4,115 67 230,442

99 Intracoastal Bank Palm Coast 8.89 12.37 208,897 208,897 9,525 96 228,602

100 First City Bank of Florida Fort Walton Beach 2.40 3.33 209,965 52,491 3,964 60 225,966

101 Gateway Bank of Southwest Florida Sarasota 8.96 12.70 202,910 67,637 5,488 95 225,017

102 Cornerstone Community Bank Saint Petersburg 10.25 13.09 194,557 32,426 4,190 66 222,093

103 Interamerican Bank, A FSB Miami 9.56 14.07 196,515 39,303 3,217 58 222,005

104 Citizens State Bank Perry 8.15 9.73 201,156 50,289 4,420 63 221,024

105 Pilot Bank Tampa 6.87 8.76 183,618 36,724 4,155 66 216,069

106 Bank of Commerce Sarasota 3.08 4.20 172,072 57,357 6,440 81 212,510

107 Grand Bank & Trust of Florida West Palm Beach 9.70 13.55 187,970 62,657 4,607 86 211,921

108 Englewood Bank & Trust Englewood 8.80 15.65 191,123 47,781 4,483 59 210,702

109 Jefferson Bank of Florida Oldsmar 11.67 17.70 159,865 39,966 4,344 64 208,499

110 NorthStar Bank Tampa 9.02 16.15 135,893 67,947 6,311 80 208,254

111 Prime Meridian Bank Tallahassee 8.96 13.18 184,187 92,094 4,909 72 206,195

112 First National Bank of Mount Dora Mount Dora 14.00 22.25 167,879 33,576 2,580 62 203,812

113 American Enterprise Bank of Florida Jacksonville 8.10 10.81 178,160 89,080 4,685 75 201,460

114 Gateway Bank of Central Florida Ocala 10.03 12.75 143,171 47,724 4,816 81 187,826

115 Columbia Bank Lake City 10.01 17.69 156,110 39,028 3,263 55 185,982

116 TCM Bank, National Association Tampa 24.91 26.77 120,918 120,918 3,913 130 176,084

117 Insignia Bank Sarasota 11.23 13.96 139,577 69,789 3,902 74 171,695

118 Oculina Bank Fort Pierce 9.67 15.17 144,605 18,076 3,042 53 170,361

119 Independent Bankers' Bank of Florida Lake Mary 4.39 7.28 118,126 118,126 5,825 108 168,925

120 Broward Bank of Commerce Fort Lauderdale 11.24 15.45 144,689 72,345 6,017 105 168,483

121 Pinnacle Bank Orange City 2.16 3.49 144,871 72,436 6,985 85 167,648

122 TransCapital Bank Sunrise 13.96 17.83 141,179 47,060 6,409 53 166,642

123 Sunstate Bank Miami 12.63 18.18 142,243 47,414 4,367 72 165,942

124 Flagler Bank West Palm Beach 9.58 13.49 140,322 70,161 7,806 78 163,936

125 Calusa Bank Punta Gorda 9.49 14.76 132,965 44,322 4,661 85 163,132

126 First Colony Bank of Florida Maitland 11.21 16.25 137,069 137,069 9,157 125 155,672

127 Intercontinental Bank West Miami 11.42 27.88 135,986 135,986 7,770 78 155,396

128 Marine Bank & Trust Company Vero Beach 8.25 12.95 136,871 68,436 4,585 75 151,301

129 Gulf Coast Community Bank Pensacola 4.10 5.52 133,392 26,678 3,194 60 150,124

Rank the Banks

Florida

8 of 36

Florida - Total Assets

Ranking Company Name City

Leverage Ratio

(%)

Tier 1 Risk-

based Ratio

(%)

Total

Deposits

($000)

Deposits/

Office

Assets/

Employees

($000)

Salary Exp/

Employees

($000)

Total

Assets

($000)

130 Sunshine Savings Bank Tallahassee 12.39 19.25 127,501 21,250 2,654 62 148,626

131 First National Bank of Pasco Dade City 9.49 18.99 127,849 42,616 4,097 71 143,407

132 First State Bank of Arcadia Arcadia 11.24 20.73 122,775 61,388 3,308 52 142,240

133 Community Bank of the South Merritt Island 9.79 22.58 119,196 39,732 6,465 77 142,225

134 OptimumBank Plantation 5.69 8.21 96,842 32,281 7,120 107 128,168

135 Patriot Bank Trinity 9.05 10.03 108,395 27,099 5,701 77 125,423

136 Hillsboro Bank Plant City 12.36 25.15 101,839 50,920 5,861 66 117,216

137 Peoples National Bank Niceville 9.57 20.37 105,991 35,330 3,040 47 115,522

138 Freedom Bank of America Saint Petersburg 10.78 11.06 90,452 30,151 4,275 67 111,156

139 Sunrise Bank Cocoa Beach 9.98 15.34 96,058 48,029 4,829 50 111,076

140 Mackinac Savings Bank, FSB Boynton Beach 7.84 32.08 101,618 33,873 2,523 83 111,020

141 Madison County Community Bank Madison 8.59 16.51 99,961 99,961 4,736 50 108,932

142 Florida Business Bank Melbourne 12.65 18.81 92,529 92,529 6,716 80 107,462

143 First National Bank Northwest Florida Panama City 14.27 24.65 91,637 45,819 3,141 53 106,798

144 Anchor Commercial Bank Juno Beach 8.69 13.91 94,635 47,318 4,809 53 105,802

145 1st Manatee Bank Parrish 10.61 13.72 90,566 30,189 3,774 89 105,684

146 Sabal Palm Bank Sarasota 10.19 15.23 89,110 44,555 4,927 93 103,471

147 Lafayette State Bank Mayo 4.38 5.64 92,143 23,036 3,066 62 101,176

148 Friends Bank New Smyrna Beach 6.07 8.97 92,771 30,924 3,416 55 99,076

149 Bank of Coral Gables Coral Gables 6.12 10.96 92,085 92,085 4,708 90 98,865

150 Surety Bank Deland 10.66 15.88 86,881 43,441 3,908 55 97,703

151 Plus International Bank Miami 14.62 26.44 83,437 83,437 5,723 79 97,285

152 First Avenue National Bank Ocala 12.45 14.60 79,127 39,564 3,676 66 95,564

153 First Bank of the Palm Beaches West Palm Beach 11.31 16.51 80,303 80,303 4,725 95 94,495

154 Flagship Community Bank Clearwater 12.08 14.28 76,505 38,253 3,777 76 94,424

155 Bank of Belle Glade Belle Glade 8.54 26.31 82,508 82,508 5,304 56 90,174

156 Preferred Community Bank Fort Myers 10.14 15.07 75,635 25,212 3,844 69 88,414

157 Peoples Bank of Graceville Graceville 13.70 39.31 72,870 72,870 5,662 58 84,934

158 First National Bank of Crestview Crestview 2.64 4.71 80,868 26,956 2,972 47 83,202

159 Warrington Bank Pensacola 18.23 43.59 67,885 33,943 4,126 49 82,522

160 Central Bank Tampa 13.35 14.71 66,263 66,263 3,647 86 80,224

161 Commerce National Bank & Trust Winter Park 10.79 14.72 68,657 68,657 2,673 86 80,180

162 First National Bank of Wauchula Wauchula 9.91 19.43 69,414 69,414 2,616 49 78,482

163 First Home Bank Seminole 8.78 11.69 64,104 32,052 3,805 75 76,096

164 Bank of the South Pensacola 20.46 74.98 61,403 30,702 3,788 48 75,757

165 Southern Commerce Bank, National Association Tampa 19.12 37.45 49,809 6,226 2,219 52 75,457

166 Century Bank of Florida Tampa 8.06 11.67 53,907 53,907 5,159 88 72,225

167 Peoples State Bank Lake City 8.87 11.56 63,545 31,773 3,209 54 70,596

168 Bank of Pensacola Pensacola 19.72 73.31 52,626 26,313 4,031 64 64,490

169 Community State Bank Starke 12.74 26.17 53,987 26,994 2,131 51 61,801

170 FirstCity Bank of Commerce Palm Beach Gardens 10.27 14.37 49,311 49,311 4,689 95 60,959

171 Nature Coast Bank Hernando 10.46 12.72 50,413 25,207 3,624 59 57,976

172 ProBank Tallahassee 5.97 9.86 45,027 22,514 3,909 93 50,818

Rank the Banks

Florida

9 of 36

Florida - Total Assets

Ranking Company Name City

Leverage Ratio

(%)

Tier 1 Risk-

based Ratio

(%)

Total

Deposits

($000)

Deposits/

Office

Assets/

Employees

($000)

Salary Exp/

Employees

($000)

Total

Assets

($000)

173 Home Federal Bank of Hollywood Hallandale Beach 6.98 11.86 38,131 38,131 2,834 87 48,181

174 One South Bank Chipley 15.60 22.10 29,963 29,963 4,233 76 38,096

175 SouthBank, A Federal Savings Bank Palm Beach Gardens 9.06 29.20 20,828 20,828 5,687 52 22,747

Rank the Banks

Florida

10 of 36

Florida - Net Interest Margin

Ranking Company Name City

Total

Assets

($000)

Yield on

Loans (%)

Loan Growth

Rate (%)

Cost of

Funds (%)

Deposit

Growth Rate

(%)

Loans/

Deposits (%)

Yield on

Investment

Securities (FTE) (%)

Net

Interest

Margin

1 TCM Bank, National Association Tampa 176,084 10.84 -0.93 0.71 2.37 128.16 2.39 9.56

2 Citizens State Bank Perry 221,024 7.50 51.14 0.94 16.24 89.40 2.27 6.38

3 BankUnited, National Association Miami Lakes 16,858,264 7.53 55.38 0.75 33.87 86.40 2.80 5.17

4 1st United Bank Boca Raton 1,695,123 6.29 22.37 0.24 7.63 81.02 2.44 5.03

5 Lafayette State Bank Mayo 101,176 5.62 -0.37 0.41 14.52 79.54 3.69 5.00

6 Floridian Bank Daytona Beach 388,046 6.13 154.05 0.58 184.72 79.27 3.00 4.92

7 FirstAtlantic Bank Jacksonville 388,853 6.68 1.09 0.58 -3.73 84.20 1.88 4.85

7 Drummond Community Bank Chiefland 369,826 6.69 0.87 0.14 -0.57 60.51 3.98 4.85

9 Home Federal Bank of Hollywood Hallandale Beach 48,181 6.94 -16.06 1.18 -15.11 89.41 NA 4.81

10 Plus International Bank Miami 97,285 6.96 1.92 0.62 21.83 55.28 3.54 4.71

11 CenterState Bank of Florida, National Association Winter Haven 3,888,623 6.00 66.93 0.23 67.21 72.49 2.85 4.65

12 First Green Bank Mount Dora 287,979 5.66 22.82 0.73 22.44 90.47 2.43 4.59

13 Capital Bank, National Association Coral Gables 6,625,503 5.65 3.64 0.37 -5.53 90.71 1.65 4.48

13 C1 Bank Saint Petersburg 1,449,214 6.00 46.49 0.67 43.85 93.30 NM 4.48

15 Harbor Community Bank Indiantown 694,523 6.75 57.78 0.41 68.21 65.45 1.68 4.37

16 1st Manatee Bank Parrish 105,684 5.72 12.36 0.84 4.47 90.26 3.37 4.36

17 Palm Beach Community Bank West Palm Beach 250,594 5.55 4.74 0.59 3.11 89.22 3.00 4.31

18 Wauchula State Bank Wauchula 601,491 5.59 -2.28 0.51 0.25 74.27 4.43 4.30

19 First Citrus Bank Tampa 234,351 5.29 14.06 0.63 6.02 104.67 5.01 4.29

20 Patriot Bank Trinity 125,423 5.37 7.97 0.60 2.82 90.46 2.60 4.27

21 Summit Bank, National Association Panama City 295,003 6.64 14.45 0.37 10.85 62.48 2.30 4.26

22 First National Bank of Wauchula Wauchula 78,482 6.43 6.39 0.64 1.46 66.39 2.10 4.25

22 BankFIRST Winter Park 685,283 5.66 6.43 0.23 1.23 73.67 2.05 4.25

24 First Avenue National Bank Ocala 95,564 5.29 10.70 0.50 -3.81 92.29 2.71 4.24

24 Florida Bank of Commerce Orlando 241,775 5.50 17.94 0.26 6.32 86.85 1.75 4.24

26 Banesco USA Coral Gables 864,076 5.93 18.20 0.46 11.97 77.57 2.58 4.23

27 First Bank Clewiston 269,360 5.55 8.39 0.37 9.05 76.09 1.03 4.22

27 Freedom Bank of America Saint Petersburg 111,156 4.92 28.90 0.48 19.09 98.66 2.33 4.22

29 First Home Bank Seminole 76,096 5.50 -2.63 0.37 -3.20 81.23 4.30 4.17

29 Old Florida Bank Orlando 833,294 5.47 23.35 0.34 3.98 88.27 0.84 4.17

31 Peoples State Bank Lake City 70,596 5.46 3.60 0.56 4.79 82.70 2.38 4.16

31 Sanibel Captiva Community Bank Sanibel 254,623 5.15 6.35 0.64 8.87 99.34 2.02 4.16

33 Gulf Coast Community Bank Pensacola 150,124 5.74 -14.23 0.58 -10.18 66.14 2.20 4.14

34 One South Bank Chipley 38,096 5.71 8.98 0.69 5.60 88.74 2.41 4.13

35 Community State Bank Starke 61,801 7.16 21.12 0.14 -1.47 53.74 2.35 4.09

36 Preferred Community Bank Fort Myers 88,414 5.25 19.55 0.72 17.51 84.17 2.60 4.08

37 Sunshine Savings Bank Tallahassee 148,626 5.55 0.21 0.30 -2.49 77.03 2.07 4.05

38 OptimumBank Plantation 128,168 6.06 -15.39 0.95 -2.43 76.20 3.39 4.04

39 Mainstreet Community Bank of Florida Deland 249,322 5.43 16.99 0.39 5.92 78.93 1.67 4.01

40 Community Bank of Broward Dania Beach 487,470 4.86 9.54 0.41 4.11 98.42 1.98 4.00

41 Nature Coast Bank Hernando 57,976 5.14 -0.63 0.42 -1.63 80.53 2.12 3.96

42 Biscayne Bank Coconut Grove 398,363 5.29 31.10 0.75 22.49 99.46 1.61 3.95

42 Landmark Bank, National Association Fort Lauderdale 365,156 5.49 38.36 0.88 53.02 103.71 1.17 3.95

42 Apollo Bank Miami 296,435 5.01 25.50 0.41 16.95 78.14 2.84 3.95

45 CBC National Bank Fernandina Beach 442,064 4.89 10.69 0.74 -11.78 104.52 3.25 3.93

46 Broward Bank of Commerce Fort Lauderdale 168,483 5.81 8.29 0.74 14.68 76.61 2.17 3.91

46 Citizens Bank and Trust Lake Wales 453,558 4.94 4.88 0.21 4.88 75.41 2.74 3.91

48 Sunrise Bank Cocoa Beach 111,076 5.50 1.98 0.39 1.54 73.62 2.18 3.90

Rank the Banks

Florida

11 of 36

Florida - Net Interest Margin

Ranking Company Name City

Total

Assets

($000)

Yield on

Loans (%)

Loan Growth

Rate (%)

Cost of

Funds (%)

Deposit

Growth Rate

(%)

Loans/

Deposits (%)

Yield on

Investment

Securities (FTE) (%)

Net

Interest

Margin

48 Calusa Bank Punta Gorda 163,132 5.00 8.43 0.43 8.08 81.92 2.52 3.90

50 First Federal Bank of Florida Lake City 1,036,084 5.40 7.29 0.26 4.03 70.33 3.99 3.89

50 Central Bank Tampa 80,224 5.15 12.24 0.86 13.38 92.56 2.53 3.89

52 Flagship Community Bank Clearwater 94,424 5.29 5.32 0.64 1.94 102.16 NA 3.88

52 Bay Cities Bank Tampa 536,760 5.14 1.90 0.63 5.45 79.05 4.10 3.88

54 FirstCity Bank of Commerce Palm Beach Gardens 60,959 6.02 15.08 0.86 0.71 92.26 1.61 3.86

54 Regent Bank Davie 357,033 5.17 -8.40 0.54 -8.47 83.19 0.76 3.86

56 First State Bank of Arcadia Arcadia 142,240 5.78 -3.64 0.36 0.20 63.18 3.03 3.85

57 Insignia Bank Sarasota 171,695 4.98 8.97 0.57 11.51 95.94 1.36 3.84

57 Jacksonville Bank Jacksonville 493,725 5.24 -3.51 0.60 -6.19 87.17 2.17 3.84

59 Farmers & Merchants Bank Monticello 417,250 5.32 -1.36 0.24 -2.57 73.17 1.87 3.83

59 Platinum Bank Brandon 462,473 5.49 13.00 0.82 5.97 96.82 2.10 3.83

59 Surety Bank Deland 97,703 5.96 -16.12 1.15 -7.54 63.34 4.44 3.83

59 Community Bank of Florida, Inc. Homestead 487,709 5.35 4.01 0.51 0.66 77.01 2.39 3.83

63 Helm Bank USA Miami 778,231 5.45 -1.43 0.07 -6.06 60.56 1.76 3.82

64 First National Bank of Mount Dora Mount Dora 203,812 5.37 -6.72 0.27 4.02 64.11 2.22 3.81

65 Urban Trust Bank Lake Mary 617,161 5.54 11.30 1.44 3.69 113.14 3.79 3.80

65 Gateway Bank of Central Florida Ocala 187,826 4.98 12.52 0.62 -3.89 92.31 5.12 3.80

67 Peoples National Bank Niceville 115,522 6.62 -2.60 0.44 3.41 48.20 2.72 3.79

67 First Bank of the Palm Beaches West Palm Beach 94,495 4.85 19.22 0.50 3.04 78.76 3.97 3.79

69 Paradise Bank Boca Raton 311,645 4.98 4.62 0.35 3.57 79.82 1.92 3.78

70 Ocean Bank Miami 3,273,128 4.94 0.62 0.42 -3.23 78.58 2.26 3.77

71 United Southern Bank Umatilla 403,564 4.90 -4.35 0.21 3.19 73.75 1.98 3.73

72 Executive National Bank Miami 340,192 4.84 9.75 0.30 13.43 77.71 2.61 3.72

73 Cornerstone Community Bank Saint Petersburg 222,093 4.70 -2.85 0.35 -4.97 79.97 3.24 3.70

73 USAmeriBank Clearwater 2,985,572 4.59 10.98 0.60 6.35 97.40 3.02 3.70

75 Flagler Bank West Palm Beach 163,936 6.40 30.91 0.77 2.53 69.46 1.84 3.68

76 International Finance Bank Miami 357,807 5.06 5.49 0.33 1.77 77.71 2.31 3.67

76 Reunion Bank of Florida Tavares 260,375 5.19 31.76 0.84 26.97 84.44 2.97 3.67

78 Marine Bank & Trust Company Vero Beach 151,301 4.79 7.58 0.32 4.12 78.25 1.69 3.65

79 American National Bank Oakland Park 255,071 4.97 12.13 0.36 15.61 78.51 2.43 3.64

79 First Colony Bank of Florida Maitland 155,672 5.35 6.45 0.32 2.48 77.15 1.71 3.64

81 Continental National Bank Miami 364,384 5.79 5.98 0.48 14.81 61.56 1.81 3.63

81 Commerce National Bank & Trust Winter Park 80,180 5.05 1.87 0.67 3.03 88.93 2.07 3.63

83 Interamerican Bank, A FSB Miami 222,005 4.87 -5.19 0.43 -1.39 84.80 1.92 3.62

84 TransCapital Bank Sunrise 166,642 5.45 -18.20 0.85 -22.11 88.15 2.89 3.61

84 Stonegate Bank Pompano Beach 1,657,571 5.22 61.97 0.58 57.73 85.67 1.59 3.61

84 First Florida Bank Destin 270,353 6.03 21.93 0.51 19.83 58.96 3.00 3.61

87 Oculina Bank Fort Pierce 170,361 5.02 14.98 0.80 11.12 98.23 2.34 3.60

88 Citizens Bank of Florida Oviedo 230,442 5.35 6.71 0.40 1.01 65.65 1.99 3.58

89 Florida Bank Tampa 523,605 4.98 -5.56 0.62 -10.26 80.99 2.10 3.57

90 United Legacy Bank Longwood 233,522 4.96 13.26 0.46 14.16 74.22 2.12 3.56

90 Grand Bank & Trust of Florida West Palm Beach 211,921 5.01 -16.82 0.39 -5.63 69.22 2.63 3.56

92 Sabal Palm Bank Sarasota 103,471 4.79 17.22 0.46 22.98 84.90 1.93 3.54

93 Prime Meridian Bank Tallahassee 206,195 5.34 17.41 0.36 13.55 73.78 2.18 3.53

94 Anchor Commercial Bank Juno Beach 105,802 5.04 -9.98 0.45 -3.97 71.13 1.90 3.52

94 Pilot Bank Tampa 216,069 4.99 14.43 0.79 11.52 77.37 1.74 3.52

94 Florida Community Bank, National Association Weston 5,568,445 5.38 97.20 0.70 50.28 82.32 2.31 3.52

Rank the Banks

Florida

12 of 36

Florida - Net Interest Margin

Ranking Company Name City

Total

Assets

($000)

Yield on

Loans (%)

Loan Growth

Rate (%)

Cost of

Funds (%)

Deposit

Growth Rate

(%)

Loans/

Deposits (%)

Yield on

Investment

Securities (FTE) (%)

Net

Interest

Margin

94 Bank of Central Florida Lakeland 346,252 4.57 17.46 0.37 15.14 81.35 1.82 3.52

98 Fidelity Bank of Florida, National Association Merritt Island 262,230 7.69 -20.31 2.16 -20.25 78.92 2.35 3.51

98 First National Bank of Pasco Dade City 143,407 5.92 -8.09 0.67 -1.73 59.13 2.02 3.51

98 Terrabank, N.A. Miami 277,635 5.17 12.04 0.58 3.78 82.46 1.34 3.51

101 U.S. Century Bank Doral 853,887 4.52 -7.57 0.50 -13.72 93.43 1.98 3.47

101 Charlotte State Bank & Trust Port Charlotte 276,609 4.92 9.02 0.17 4.33 62.20 2.56 3.47

103 Englewood Bank & Trust Englewood 210,702 4.79 0.57 0.13 10.04 61.30 2.59 3.45

103 Intracoastal Bank Palm Coast 228,602 5.62 15.91 0.58 17.94 55.01 2.30 3.45

105 GulfShore Bank Tampa 262,656 4.87 11.62 0.53 7.35 78.15 1.56 3.44

106 Capital City Bank Tallahassee 2,549,198 5.27 -1.86 0.12 1.92 66.75 0.79 3.43

106 Eastern National Bank Miami 379,830 4.08 8.35 0.49 -1.12 105.20 1.23 3.43

106 ProBank Tallahassee 50,818 6.01 -20.59 0.73 -24.12 68.27 1.87 3.43

109 Floridian Community Bank, Inc. Davie 310,100 5.38 54.25 0.84 2.09 102.83 2.69 3.42

109 Florida Business Bank Melbourne 107,462 4.66 -2.62 0.52 -3.61 74.81 2.46 3.42

111 Legacy Bank of Florida Boca Raton 254,336 4.90 -2.25 0.65 -0.93 72.93 2.23 3.39

112 American Enterprise Bank of Florida Jacksonville 201,460 5.14 9.11 0.80 1.03 86.50 1.21 3.38

112 Professional Bank Coral Gables 246,128 5.06 36.39 0.70 34.36 73.66 2.04 3.38

114 EverBank Jacksonville 19,749,765 4.42 14.33 0.97 1.57 121.78 3.13 3.37

114 First America Bank Bradenton 265,835 4.76 13.40 0.69 4.16 81.31 2.68 3.37

116 Century Bank of Florida Tampa 72,225 5.97 4.54 1.42 3.27 83.69 3.03 3.36

116 Alarion Bank Ocala 282,804 4.64 11.02 0.82 -3.54 91.50 3.24 3.36

118 First Florida Integrity Bank Naples 875,976 4.53 32.75 0.48 29.29 88.12 1.98 3.32

118 Florida Citizens Bank Gainesville 240,342 5.13 3.15 0.91 -5.23 76.42 2.14 3.32

120 Merchants & Southern Bank Gainesville 416,765 4.79 2.67 0.27 3.34 67.88 2.08 3.31

121 Marquis Bank Coral Gables 252,937 4.75 30.40 0.58 36.32 88.42 1.52 3.30

121 Community Southern Bank Lakeland 244,829 4.89 21.77 0.82 16.23 82.09 3.35 3.30

123 Brannen Bank Inverness 425,458 4.64 0.91 0.16 6.20 50.72 2.66 3.24

124 Heartland National Bank Sebring 309,186 5.73 -3.19 0.32 1.28 53.45 1.65 3.22

125 Highlands Independent Bank Sebring 251,430 5.00 -10.70 0.20 0.28 51.08 2.09 3.21

125 Bank of Tampa Tampa 1,319,479 4.35 14.58 0.07 6.76 61.24 2.53 3.21

127 CNLBank Orlando 1,275,394 4.56 4.08 0.60 -0.91 72.84 2.85 3.20

128 Jefferson Bank of Florida Oldsmar 208,499 4.93 30.11 0.40 20.31 85.50 1.34 3.19

128 Gateway Bank of Southwest Florida Sarasota 225,017 5.14 20.38 0.72 1.38 59.49 3.96 3.19

130 Friends Bank New Smyrna Beach 99,076 4.90 -6.05 0.61 -9.25 73.02 3.03 3.18

131 Seacoast National Bank Stuart 2,291,658 4.34 4.75 0.22 3.78 74.92 2.08 3.17

132 First National Bank Northwest Florida Panama City 106,798 5.05 -6.93 0.38 -3.38 68.30 2.31 3.16

133 Sunshine State Bank Plant City 311,779 5.00 0.33 0.20 -4.78 66.40 0.86 3.15

133 Intercredit Bank, NA Miami 313,500 4.94 15.87 0.72 1.32 96.17 1.87 3.15

133 1st National Bank of South Florida Homestead 318,308 4.77 9.47 0.62 7.29 67.69 2.77 3.15

136 Sunstate Bank Miami 165,942 5.03 1.27 0.34 4.60 54.53 2.50 3.14

136 Hillsboro Bank Plant City 117,216 5.84 9.70 0.36 -1.23 41.54 2.96 3.14

136 Community Bank and Trust of Florida Ocala 620,370 5.05 -4.47 0.41 3.79 45.82 2.75 3.14

139 Gibraltar Private Bank & Trust Co. Coral Gables 1,571,582 4.27 14.08 0.74 -6.51 114.75 2.31 3.13

140 Seaside National Bank & Trust Orlando 1,020,958 4.25 16.99 0.50 16.95 84.57 1.63 3.12

141 NorthStar Bank Tampa 208,254 4.44 30.10 0.76 -2.66 59.20 3.59 3.09

142 Encore Bank, National Association Naples 341,351 5.02 23.17 0.62 4.35 67.58 1.99 3.08

143 Madison County Community Bank Madison 108,932 5.50 7.25 0.53 8.13 55.78 1.46 3.07

144 Bank of Commerce Sarasota 212,510 4.48 -6.70 0.88 -4.29 84.47 2.98 3.06

Rank the Banks

Florida

13 of 36

Florida - Net Interest Margin

Ranking Company Name City

Total

Assets

($000)

Yield on

Loans (%)

Loan Growth

Rate (%)

Cost of

Funds (%)

Deposit

Growth Rate

(%)

Loans/

Deposits (%)

Yield on

Investment

Securities (FTE) (%)

Net

Interest

Margin

145 First City Bank of Florida Fort Walton Beach 225,966 4.24 -7.55 0.40 -9.40 68.53 1.45 3.05

146 Raymond James Bank, National Association Saint Petersburg 12,141,114 3.48 19.08 0.08 12.35 102.34 1.39 3.02

147 Columbia Bank Lake City 185,982 5.02 -3.22 0.83 -5.13 67.17 3.14 2.98

148 First National Bank of Crestview Crestview 83,202 5.56 -11.53 0.25 -11.94 35.37 2.07 2.97

149 Peoples Bank of Graceville Graceville 84,934 5.83 4.63 0.62 10.92 36.32 2.78 2.94

150 FNBT.Com Bank Fort Walton Beach 375,680 6.63 -4.85 0.27 -0.80 43.01 1.23 2.86

151 New Traditions Bank Orlando 518,173 4.76 20.42 0.37 7.04 71.36 0.02 2.82

152 First State Bank of the Florida Keys Key West 792,873 4.69 -1.09 0.60 -4.73 76.06 1.97 2.81

153 Florida Capital Bank, N.A. Jacksonville 399,114 4.74 -24.24 0.90 -28.97 80.30 1.43 2.78

154 BAC Florida Bank Coral Gables 1,492,512 4.23 13.12 0.89 13.27 101.48 1.92 2.76

155 Edison National Bank Fort Myers 248,567 4.40 3.89 0.07 6.39 55.12 2.14 2.74

156 Bank of Coral Gables Coral Gables 98,865 4.91 4.69 0.67 -8.97 67.67 1.45 2.73

157 FineMark National Bank & Trust Fort Myers 767,526 3.86 29.94 0.61 28.39 88.49 2.12 2.72

158 Pinnacle Bank Orange City 167,648 5.09 -13.01 1.26 2.89 62.07 2.83 2.67

159 First National Bank of South Miami South Miami 558,413 5.01 22.34 0.38 9.80 51.84 2.03 2.66

160 Community Bank of the South Merritt Island 142,225 5.90 -12.94 0.39 13.28 35.29 2.39 2.61

160 Beach Community Bank Fort Walton Beach 569,486 4.05 -3.15 0.93 -3.99 79.64 1.34 2.61

162 Citizens First Bank The Villages 1,627,945 4.59 -5.88 0.11 2.13 20.08 2.90 2.56

163 Warrington Bank Pensacola 82,522 4.59 4.31 0.13 2.18 39.56 1.59 2.44

164 Atlantic Coast Bank Jacksonville 711,596 5.77 -4.26 1.76 -11.37 98.46 1.90 2.39

165 HomeBanc National Association Lake Mary 856,283 3.42 -16.73 0.71 -11.13 94.14 2.15 2.33

166 Gateway Bank of Florida Daytona Beach 254,918 4.83 17.61 1.36 1.03 40.99 5.14 2.30

167 Bank of the South Pensacola 75,757 5.10 9.36 0.12 8.45 26.08 1.66 2.29

168 Bank of Belle Glade Belle Glade 90,174 4.88 0.22 0.21 -6.38 31.03 2.12 2.25

169 Coconut Grove Bank Miami 611,178 4.99 4.13 0.40 3.13 42.85 2.09 2.24

170 Mackinac Savings Bank, FSB Boynton Beach 111,020 5.59 1.77 0.41 -1.56 49.10 NA 2.21

170 Southern Commerce Bank, National Association Tampa 75,457 4.62 53.18 0.38 -19.76 59.55 1.55 2.21

172 Bank of Pensacola Pensacola 64,490 4.63 34.63 0.12 8.50 30.30 1.64 2.13

173 Intercontinental Bank West Miami 155,396 6.24 6.52 0.45 -6.00 25.74 1.18 2.02

174 Independent Bankers' Bank of Florida Lake Mary 168,925 3.68 -20.29 0.96 -28.37 77.66 1.74 1.82

175 SouthBank, A Federal Savings Bank Palm Beach Gardens 22,747 5.85 -18.47 0.91 -3.72 14.82 2.02 1.34

Rank the Banks

Florida

14 of 36

Florida - Noninterest Income

Ranking Company Name City

Total

Assets

($000)

Net

Income

($000)

Service Charges

on Deposits /

Avg Assets (%)

Gain on Sale

of Loans/ Avg

Asset

(%)

Net

Servicing

Fees/ Avg

Assets

(%)

Net Gains

on OREO/

Avg Assets

(%)

Total

Noninterest

Income

($000)

NonInterest

Income/

Avg Assets

(%)

1 Coconut Grove Bank Miami 611,178 25,512 0.17 0.00 0.00 0.00 59,371 9.70

2 TCM Bank, National Association Tampa 176,084 3,299 0.00 0.00 0.00 0.00 11,137 6.42

3 CBC National Bank Fernandina Beach 442,064 833 0.07 5.67 0.16 -0.21 22,547 5.87

4 Southern Commerce Bank, National Association Tampa 75,457 11,929 3.72 0.00 0.01 -0.08 3,598 4.76

5 Commerce National Bank & Trust Winter Park 80,180 435 0.05 0.00 0.04 0.00 2,618 3.39

6 Mackinac Savings Bank, FSB Boynton Beach 111,020 132 0.01 1.69 0.82 0.06 2,933 2.60

7 Independent Bankers' Bank of Florida Lake Mary 168,925 -4,717 1.53 0.00 0.00 -0.44 5,012 2.55

8 Florida Capital Bank, N.A. Jacksonville 399,114 -11,872 0.09 1.36 0.00 -0.06 10,609 2.41

9 FNBT.Com Bank Fort Walton Beach 375,680 3,885 0.27 0.00 0.00 0.12 8,813 2.38

10 EverBank Jacksonville 19,749,765 135,130 0.09 0.93 0.82 0.00 396,275 2.22

11 Capital City Bank Tallahassee 2,549,198 10,889 0.98 0.11 0.00 -0.14 50,563 1.98

12 HomeBanc National Association Lake Mary 856,283 3,651 0.05 1.44 0.02 0.00 14,477 1.97

13 First National Bank of Mount Dora Mount Dora 203,812 1,620 0.20 0.00 0.00 -0.20 3,789 1.92

13 First Federal Bank of Florida Lake City 1,036,084 9,803 0.42 0.04 0.81 -0.06 19,040 1.92

15 1st Manatee Bank Parrish 105,684 1,241 0.01 1.56 0.22 -0.01 1,965 1.89

16 C1 Bank Saint Petersburg 1,449,214 14,183 0.08 0.20 0.03 -0.09 21,543 1.63

17 Charlotte State Bank & Trust Port Charlotte 276,609 2,194 0.20 0.00 0.00 0.06 4,192 1.55

18 Alarion Bank Ocala 282,804 991 0.05 1.16 0.00 -0.07 4,256 1.53

19 Community State Bank Starke 61,801 13 0.85 0.00 0.00 0.00 879 1.48

20 Sunshine Savings Bank Tallahassee 148,626 286 0.50 0.26 -0.19 0.09 1,967 1.35

21 Harbor Community Bank Indiantown 694,523 3,707 0.13 0.28 0.00 -0.12 7,612 1.25

22 FineMark National Bank & Trust Fort Myers 767,526 1,990 0.01 0.01 0.00 0.00 8,665 1.23

22 Summit Bank, National Association Panama City 295,003 2,492 0.12 0.01 0.00 0.17 3,294 1.23

22 Oculina Bank Fort Pierce 170,361 316 0.10 0.72 0.06 0.02 1,994 1.23

25 Paradise Bank Boca Raton 311,645 5,936 0.11 0.75 0.16 0.00 3,621 1.19

25 Beach Community Bank Fort Walton Beach 569,486 -2,677 0.09 0.38 0.00 -0.02 6,812 1.19

27 Drummond Community Bank Chiefland 369,826 4,681 0.53 0.00 0.00 0.07 4,272 1.17

28 Seacoast National Bank Stuart 2,291,658 51,270 0.28 0.18 0.00 -0.01 23,515 1.05

28 Citizens Bank and Trust Lake Wales 453,558 3,398 0.29 0.00 0.00 -0.10 4,449 1.05

30 First Florida Bank Destin 270,353 2,755 0.10 0.74 0.00 -0.02 2,528 1.04

30 Intercontinental Bank West Miami 155,396 696 0.84 0.00 0.00 0.06 1,721 1.04

30 Intercredit Bank, NA Miami 313,500 -1,858 0.32 0.67 0.00 0.00 3,358 1.04

33 First Bank Clewiston 269,360 1,106 0.39 0.08 0.02 -0.02 2,605 1.03

34 Helm Bank USA Miami 778,231 10,181 0.38 0.00 0.00 -0.01 7,807 0.98

34 Urban Trust Bank Lake Mary 617,161 4,829 0.31 0.00 0.00 0.02 6,170 0.98

36 USAmeriBank Clearwater 2,985,572 37,861 0.15 0.18 0.00 0.00 27,831 0.97

37 Community Bank of Florida, Inc. Homestead 487,709 1,822 0.48 0.00 0.00 -0.03 4,450 0.92

37 First Home Bank Seminole 76,096 212 0.18 0.00 0.00 0.05 659 0.92

39 United Southern Bank Umatilla 403,564 1,886 0.20 0.00 0.00 0.06 3,667 0.91

40 OptimumBank Plantation 128,168 -4,003 0.03 0.00 0.00 0.40 1,142 0.88

41 Continental National Bank Miami 364,384 1,216 0.59 0.00 0.00 -0.01 2,970 0.87

42 Gateway Bank of Florida Daytona Beach 254,918 1,995 0.03 0.00 0.00 0.00 2,207 0.86

43 Gulf Coast Community Bank Pensacola 150,124 -448 0.18 0.00 0.00 0.02 1,301 0.83

44 First City Bank of Florida Fort Walton Beach 225,966 -546 0.20 0.00 0.00 -0.02 1,962 0.82

45 Banesco USA Coral Gables 864,076 2,332 0.21 0.00 0.00 -0.01 6,611 0.81

45 Englewood Bank & Trust Englewood 210,702 1,633 0.10 0.00 0.00 0.05 1,625 0.81

45 Regent Bank Davie 357,033 -13,936 0.23 0.07 0.00 -0.09 3,023 0.81

Rank the Banks

Florida

15 of 36

Florida - Noninterest Income

Ranking Company Name City

Total

Assets

($000)

Net

Income

($000)

Service Charges

on Deposits /

Avg Assets (%)

Gain on Sale

of Loans/ Avg

Asset

(%)

Net

Servicing

Fees/ Avg

Assets

(%)

Net Gains

on OREO/

Avg Assets

(%)

Total

Noninterest

Income

($000)

NonInterest

Income/

Avg Assets

(%)

45 Bank of Pensacola Pensacola 64,490 -341 0.23 0.00 0.00 0.00 474 0.81

49 BAC Florida Bank Coral Gables 1,492,512 8,425 0.03 0.02 0.04 0.04 11,332 0.80

50 Lafayette State Bank Mayo 101,176 -4,452 0.43 0.00 0.00 0.00 767 0.78

50 Grand Bank & Trust of Florida West Palm Beach 211,921 1,411 0.18 0.00 0.00 -0.07 1,701 0.78

52 U.S. Century Bank Doral 853,887 -2,923 0.43 0.11 0.00 -0.02 6,811 0.75

52 Ocean Bank Miami 3,273,128 34,890 0.29 0.04 0.00 0.08 24,635 0.75

52 FirstCity Bank of Commerce Palm Beach Gardens 60,959 225 0.63 0.04 0.00 0.00 454 0.75

55 First Avenue National Bank Ocala 95,564 271 0.17 0.00 0.02 0.03 686 0.72

56 Executive National Bank Miami 340,192 1,765 0.48 0.00 0.00 0.00 2,136 0.68

56 Bank of Commerce Sarasota 212,510 -709 0.03 0.00 0.00 0.04 1,501 0.68

58 Surety Bank Deland 97,703 -77 0.51 0.06 0.00 -0.13 666 0.67

59 First State Bank of Arcadia Arcadia 142,240 1,316 0.42 0.00 0.00 0.02 908 0.65

60 Broward Bank of Commerce Fort Lauderdale 168,483 1,519 0.06 0.41 0.06 0.00 1,035 0.64

60 1st National Bank of South Florida Homestead 318,308 1,623 0.32 0.00 0.00 -0.09 2,003 0.64

62 CenterState Bank of Florida, National Association Winter Haven 3,888,623 11,548 0.33 0.01 0.00 -0.30 16,791 0.62

62 Eastern National Bank Miami 379,830 6,566 0.16 0.00 0.00 -0.25 2,354 0.62

64 Community Bank and Trust of Florida Ocala 620,370 4,683 0.12 0.00 0.07 0.03 3,661 0.61

64 Terrabank, N.A. Miami 277,635 1,767 0.33 0.12 0.00 0.00 1,661 0.61

66 Pilot Bank Tampa 216,069 -446 0.13 0.00 0.08 -0.29 1,202 0.60

67 Highlands Independent Bank Sebring 251,430 -544 0.26 0.00 0.00 -0.15 1,460 0.59

67 Capital Bank, National Association Coral Gables 6,625,503 56,103 0.31 0.07 0.00 -0.18 38,955 0.59

67 Insignia Bank Sarasota 171,695 826 0.06 0.04 0.00 0.02 941 0.59

67 Brannen Bank Inverness 425,458 3,725 0.24 0.00 0.00 0.01 2,446 0.59

67 Wauchula State Bank Wauchula 601,491 7,556 0.21 0.00 0.00 0.04 3,460 0.59

67 Florida Citizens Bank Gainesville 240,342 285 0.36 0.01 0.00 -0.17 1,463 0.59

73 Bay Cities Bank Tampa 536,760 3,378 0.09 0.21 0.03 -0.01 2,970 0.58

73 BankUnited, National Association Miami Lakes 16,858,264 223,610 0.06 0.06 0.00 0.03 85,014 0.58

73 Sunstate Bank Miami 165,942 2,350 0.17 0.00 0.00 -0.07 929 0.58

76 First America Bank Bradenton 265,835 315 0.12 0.20 0.00 -0.01 1,427 0.55

77 BankFIRST Winter Park 685,283 3,681 0.20 0.01 0.00 -0.04 3,533 0.53

78 Century Bank of Florida Tampa 72,225 22 0.35 0.00 0.00 -0.04 366 0.52

79 Interamerican Bank, A FSB Miami 222,005 987 0.23 0.05 0.01 -0.05 1,137 0.51

80 Peoples Bank of Graceville Graceville 84,934 1,253 0.45 0.00 0.00 0.00 407 0.50

80 Bank of Tampa Tampa 1,319,479 8,156 0.19 0.00 0.00 0.00 6,459 0.50

80 Bank of Belle Glade Belle Glade 90,174 297 0.36 0.00 0.00 0.00 453 0.50

83 Mainstreet Community Bank of Florida Deland 249,322 2,750 0.13 0.16 0.00 -0.08 1,166 0.49

83 First National Bank of Wauchula Wauchula 78,482 104 0.16 0.00 0.00 -0.05 370 0.49

85 Sunshine State Bank Plant City 311,779 196 0.20 0.00 0.00 0.01 965 0.48

86 First State Bank of the Florida Keys Key West 792,873 4,789 0.15 0.01 0.00 0.01 3,928 0.47

87 First National Bank of South Miami South Miami 558,413 1,048 0.19 0.00 0.00 -0.02 2,411 0.45

88 Floridian Bank Daytona Beach 388,046 899 0.13 0.06 0.00 0.00 888 0.44

88 One South Bank Chipley 38,096 50 0.35 0.00 0.00 0.00 155 0.44

88 Columbia Bank Lake City 185,982 -3,436 0.12 0.00 0.00 0.03 840 0.44

88 Jefferson Bank of Florida Oldsmar 208,499 726 0.07 0.19 0.00 0.00 863 0.44

88 Edison National Bank Fort Myers 248,567 950 0.18 0.00 0.00 0.00 1,066 0.44

93 Seaside National Bank & Trust Orlando 1,020,958 1,712 0.08 0.09 0.00 -0.04 4,026 0.43

Rank the Banks

Florida

16 of 36

Florida - Noninterest Income

Ranking Company Name City

Total

Assets

($000)

Net

Income

($000)

Service Charges

on Deposits /

Avg Assets (%)

Gain on Sale

of Loans/ Avg

Asset

(%)

Net

Servicing

Fees/ Avg

Assets

(%)

Net Gains

on OREO/

Avg Assets

(%)

Total

Noninterest

Income

($000)

NonInterest

Income/

Avg Assets

(%)

94 Calusa Bank Punta Gorda 163,132 2,544 0.01 0.18 0.00 0.00 660 0.42

95 Merchants & Southern Bank Gainesville 416,765 3,574 0.31 0.02 0.00 0.01 1,684 0.41

95 Warrington Bank Pensacola 82,522 187 0.18 0.00 0.00 0.00 326 0.41

95 Gateway Bank of Southwest Florida Sarasota 225,017 1,626 0.03 0.00 0.00 0.00 953 0.41

98 Apollo Bank Miami 296,435 4,959 0.08 0.00 0.00 0.00 1,065 0.40

99 Madison County Community Bank Madison 108,932 480 0.48 0.00 0.00 -0.25 407 0.39

99 First National Bank of Pasco Dade City 143,407 589 0.17 0.00 0.00 -0.04 574 0.39

99 Encore Bank, National Association Naples 341,351 15 0.10 0.00 0.00 0.00 1,342 0.39

99 Preferred Community Bank Fort Myers 88,414 380 0.09 0.00 0.00 0.03 324 0.39

103 Cornerstone Community Bank Saint Petersburg 222,093 1,349 0.18 0.01 0.00 -0.05 859 0.38

103 Stonegate Bank Pompano Beach 1,657,571 9,082 0.08 0.00 0.00 0.06 5,219 0.38

103 Floridian Community Bank, Inc. Davie 310,100 322 0.19 0.03 0.00 0.01 1,123 0.38

103 Marine Bank & Trust Company Vero Beach 151,301 3,490 0.14 0.16 0.00 -0.04 544 0.38

107 Community Bank of Broward Dania Beach 487,470 2,623 0.29 0.00 0.00 -0.06 1,762 0.37

107 Central Bank Tampa 80,224 -192 0.02 0.00 0.00 0.00 269 0.37

109 International Finance Bank Miami 357,807 324 0.10 0.00 0.00 0.00 1,257 0.35

110 Friends Bank New Smyrna Beach 99,076 -580 0.08 0.00 0.00 -0.03 339 0.34

110 Peoples State Bank Lake City 70,596 128 0.21 0.00 0.00 -0.19 234 0.34

112 SouthBank, A Federal Savings Bank Palm Beach Gardens 22,747 -635 0.03 0.09 0.00 0.00 76 0.33

112 Bank of the South Pensacola 75,757 -90 0.18 0.00 0.00 0.00 230 0.33

112 Gateway Bank of Central Florida Ocala 187,826 1,045 0.08 0.08 0.00 -0.07 600 0.33

115 First Green Bank Mount Dora 287,979 1,680 0.06 0.00 0.00 0.00 797 0.32

115 Florida Bank of Commerce Orlando 241,775 1,331 0.10 0.13 0.00 -0.17 791 0.32

117 Community Bank of the South Merritt Island 142,225 501 0.09 0.00 0.00 -0.04 419 0.30

118 Prime Meridian Bank Tallahassee 206,195 1,141 0.07 0.06 0.00 0.00 592 0.29

118 Old Florida Bank Orlando 833,294 6,271 0.11 0.13 0.00 -0.01 2,393 0.29

118 First Bank of the Palm Beaches West Palm Beach 94,495 -113 0.06 0.06 0.00 -0.02 257 0.29

121 American National Bank Oakland Park 255,071 1,853 0.14 0.00 0.00 0.00 650 0.27

121 FirstAtlantic Bank Jacksonville 388,853 4,997 0.15 0.02 0.02 0.02 1,049 0.27

123 Citizens First Bank The Villages 1,627,945 12,923 0.04 0.02 0.00 -0.01 4,177 0.26

124 First Florida Integrity Bank Naples 875,976 10,873 0.05 -0.05 0.00 -0.02 1,930 0.25

124 Flagship Community Bank Clearwater 94,424 170 0.06 0.12 0.07 -0.07 233 0.25

124 Atlantic Coast Bank Jacksonville 711,596 -9,178 0.39 0.06 0.02 -0.55 1,802 0.25

124 Farmers & Merchants Bank Monticello 417,250 721 0.45 0.00 0.00 -0.38 1,071 0.25

128 Community Southern Bank Lakeland 244,829 1,007 0.05 0.00 0.00 0.00 547 0.24

129 Citizens State Bank Perry 221,024 2,542 0.15 0.00 0.00 -0.01 464 0.23

129 United Legacy Bank Longwood 233,522 532 0.09 0.00 0.00 0.00 515 0.23

129 Patriot Bank Trinity 125,423 390 0.09 0.00 0.00 -0.01 289 0.23

132 Citizens Bank of Florida Oviedo 230,442 -379 0.11 0.00 0.00 -0.20 497 0.22

132 First National Bank Northwest Florida Panama City 106,798 239 0.03 0.00 0.03 -0.01 241 0.22

132 Reunion Bank of Florida Tavares 260,375 1,400 0.07 0.00 0.00 0.00 511 0.22

132 Hillsboro Bank Plant City 117,216 1,099 0.09 0.00 0.00 0.03 262 0.22

132 Nature Coast Bank Hernando 57,976 191 0.06 0.00 0.00 -0.01 129 0.22

137 TransCapital Bank Sunrise 166,642 2,497 0.01 -0.02 0.00 0.14 399 0.21

137 Gibraltar Private Bank & Trust Co. Coral Gables 1,571,582 -9,788 0.04 0.05 0.00 -0.26 3,340 0.21

139 Jacksonville Bank Jacksonville 493,725 1,180 0.13 0.00 0.00 -0.10 940 0.19

Rank the Banks

Florida

17 of 36

Florida - Noninterest Income

Ranking Company Name City

Total

Assets

($000)

Net

Income

($000)

Service Charges

on Deposits /

Avg Assets (%)

Gain on Sale

of Loans/ Avg

Asset

(%)

Net

Servicing

Fees/ Avg

Assets

(%)

Net Gains

on OREO/

Avg Assets

(%)

Total

Noninterest

Income

($000)

NonInterest

Income/

Avg Assets

(%)

139 Freedom Bank of America Saint Petersburg 111,156 3,130 0.07 0.00 0.00 0.00 191 0.19

139 American Enterprise Bank of Florida Jacksonville 201,460 -32 0.12 0.00 0.01 -0.02 379 0.19

142 GulfShore Bank Tampa 262,656 955 0.08 0.00 0.00 -0.01 456 0.18

142 Intracoastal Bank Palm Coast 228,602 2,873 0.04 0.00 0.00 0.00 370 0.18

142 Bank of Coral Gables Coral Gables 98,865 329 0.09 0.00 0.00 0.01 183 0.18

142 Bank of Central Florida Lakeland 346,252 2,364 0.08 0.00 0.00 0.00 606 0.18

142 Marquis Bank Coral Gables 252,937 1,117 0.11 0.00 0.00 0.00 395 0.18

147 Heartland National Bank Sebring 309,186 1,471 0.10 0.00 0.05 -0.23 511 0.17

148 Biscayne Bank Coconut Grove 398,363 4,171 0.10 0.00 0.00 -0.07 553 0.16

148 Sabal Palm Bank Sarasota 103,471 -1,402 0.05 0.00 0.00 -0.02 152 0.16

150 New Traditions Bank Orlando 518,173 2,930 0.05 0.00 0.00 0.00 750 0.15

151 Anchor Commercial Bank Juno Beach 105,802 1,993 0.04 0.00 0.00 0.02 144 0.14

152 Professional Bank Coral Gables 246,128 1,639 0.07 0.00 0.00 0.00 293 0.13

153 First Citrus Bank Tampa 234,351 367 0.07 0.00 0.00 -0.05 260 0.12

153 Flagler Bank West Palm Beach 163,936 2,018 0.10 0.00 0.00 -0.06 197 0.12

153 Landmark Bank, National Association Fort Lauderdale 365,156 2,757 0.03 0.00 0.00 0.03 345 0.12

156 Palm Beach Community Bank West Palm Beach 250,594 3,118 0.06 0.00 0.00 0.00 265 0.11

157 Raymond James Bank, National Association Saint Petersburg 12,141,114 158,478 0.00 0.01 0.00 0.00 11,042 0.10

157 NorthStar Bank Tampa 208,254 281 0.02 0.04 0.00 0.00 193 0.10

157 Legacy Bank of Florida Boca Raton 254,336 935 0.08 0.00 0.00 -0.06 248 0.10

160 Florida Business Bank Melbourne 107,462 623 0.02 0.00 0.00 0.01 103 0.09

160 First Colony Bank of Florida Maitland 155,672 2,077 0.05 0.00 0.00 0.00 145 0.09

162 CNLBank Orlando 1,275,394 205 0.10 0.01 0.00 -0.17 387 0.03

162 Florida Bank Tampa 523,605 -2,559 0.16 0.00 0.00 -0.32 176 0.03

164 Florida Community Bank, National Association Weston 5,568,445 19,598 0.06 0.02 0.00 -0.03 490 0.01

165 Sanibel Captiva Community Bank Sanibel 254,623 1,719 0.05 0.47 0.00 -0.61 4 0.00

166 Sunrise Bank Cocoa Beach 111,076 2,374 0.10 0.00 0.00 -0.25 -26 -0.02

167 Peoples National Bank Niceville 115,522 182 0.16 0.00 0.00 -0.48 -54 -0.05

167 Pinnacle Bank Orange City 167,648 -4,388 0.07 0.03 0.00 -0.20 -84 -0.05

169 ProBank Tallahassee 50,818 -1,550 0.14 0.00 0.00 -0.50 -35 -0.06

170 Platinum Bank Brandon 462,473 3,355 0.02 0.00 0.00 -0.22 -547 -0.12

171 Fidelity Bank of Florida, National Association Merritt Island 262,230 13,981 0.00 0.00 0.00 -0.37 -459 -0.17

172 Home Federal Bank of Hollywood Hallandale Beach 48,181 -591 0.03 0.00 0.00 -0.38 -155 -0.30

173 1st United Bank Boca Raton 1,695,123 8,432 0.06 0.00 0.02 0.05 -6,698 -0.39

174 First National Bank of Crestview Crestview 83,202 -1,299 0.16 0.00 0.00 -1.14 -473 -0.52

175 Plus International Bank Miami 97,285 255 0.01 0.00 0.00 0.00 -492 -0.56

Rank the Banks

Florida

18 of 36

Florida - Total Overhead

Ranking Company Name City

Total

Assets

($000)

Efficiency

Ratio (FTE)

(%)

Total

Employees

Number

of

Offices

Personnel

Expense/ Avg.

Assets

(%)

Occupancy

Expense/ Avg.

Assets

(%)

Other

Expense/

Avg. Assets

(%)

Total

Overhead/

Avg. Assets

(%)

1 Raymond James Bank, National Association Saint Petersburg 12,141,114 25.87 170 1 0.21% 0.01% 0.57% 0.79%

2 Citizens First Bank The Villages 1,627,945 40.94 188 11 0.66% 0.19% 0.37% 1.22%

3 New Traditions Bank Orlando 518,173 53.10 46 3 0.75% 0.13% 0.58% 1.46%

4 Peoples Bank of Graceville Graceville 84,934 51.17 15 1 1.05% 0.18% 0.55% 1.78%

5 Biscayne Bank Coconut Grove 398,363 44.09 45 3 1.07% 0.26% 0.46% 1.79%

6 Gateway Bank of Florida Daytona Beach 254,918 47.78 32 3 1.02% 0.21% 0.58% 1.81%

7 Hillsboro Bank Plant City 117,216 57.50 20 2 1.13% 0.23% 0.57% 1.93%

8 Intercontinental Bank West Miami 155,396 69.16 20 1 0.94% 0.10% 0.90% 1.94%

9 Intracoastal Bank Palm Coast 228,602 58.80 24 1 1.13% 0.23% 0.69% 2.04%

10 Flagler Bank West Palm Beach 163,936 60.84 21 2 1.03% 0.24% 0.89% 2.16%

11 Bank of Belle Glade Belle Glade 90,174 81.69 17 1 1.04% 0.18% 0.94% 2.16%

12 Community Bank of the South Merritt Island 142,225 78.14 22 3 1.20% 0.26% 0.74% 2.20%

13 First Colony Bank of Florida Maitland 155,672 60.43 17 1 1.36% 0.25% 0.63% 2.24%

14 USAmeriBank Clearwater 2,985,572 51.14 496 28 1.40% 0.29% 0.60% 2.28%

15 Bank of Central Florida Lakeland 346,252 66.58 57 4 1.47% 0.24% 0.60% 2.31%

16 BAC Florida Bank Coral Gables 1,492,512 67.42 157 1 1.19% 0.18% 0.96% 2.33%

17 First National Bank of South Miami South Miami 558,413 76.39 93 5 1.37% 0.26% 0.70% 2.33%

18 Marquis Bank Coral Gables 252,937 68.71 32 1 1.39% 0.31% 0.64% 2.34%

19 Madison County Community Bank Madison 108,932 72.38 23 1 1.09% 0.35% 0.90% 2.34%

20 Florida Business Bank Melbourne 107,462 71.36 16 1 1.15% 0.26% 0.94% 2.35%

21 Community Bank and Trust of Florida Ocala 620,370 63.88 124 11 1.31% 0.29% 0.77% 2.36%

22 American National Bank Oakland Park 255,071 67.98 39 1 1.38% 0.20% 0.80% 2.38%

23 TransCapital Bank Sunrise 166,642 69.34 26 3 0.73% 0.27% 1.38% 2.38%

24 Heartland National Bank Sebring 309,186 75.45 52 4 1.20% 0.22% 0.97% 2.39%

25 Wauchula State Bank Wauchula 601,491 47.27 143 6 1.50% 0.33% 0.58% 2.41%

26 Warrington Bank Pensacola 82,522 87.06 20 2 1.24% 0.31% 0.86% 2.41%

27 Merchants & Southern Bank Gainesville 416,765 69.38 117 13 1.35% 0.40% 0.66% 2.41%

28 Landmark Bank, National Association Fort Lauderdale 365,156 59.50 43 5 1.43% 0.37% 0.62% 2.42%

29 Florida Community Bank, National Association Weston 5,568,445 74.78 654 57 1.24% 0.28% 0.90% 2.42%

30 Sunrise Bank Cocoa Beach 111,076 68.52 23 2 1.05% 0.56% 0.85% 2.47%

31 GulfShore Bank Tampa 262,656 78.14 38 2 1.45% 0.37% 0.66% 2.48%

32 First State Bank of the Florida Keys Key West 792,873 76.08 175 12 1.43% 0.39% 0.69% 2.51%

33 Stonegate Bank Pompano Beach 1,657,571 68.27 195 19 1.36% 0.41% 0.74% 2.51%

34 Bank of the South Pensacola 75,757 107.35 20 2 1.37% 0.36% 0.82% 2.54%

35 Bank of Tampa Tampa 1,319,479 70.12 218 10 1.48% 0.37% 0.72% 2.57%

36 Fidelity Bank of Florida, National Association Merritt Island 262,230 83.14 42 2 1.16% 0.15% 1.28% 2.59%

37 CNLBank Orlando 1,275,394 87.62 175 16 1.39% 0.48% 0.79% 2.66%

38 Community Southern Bank Lakeland 244,829 77.63 46 3 1.54% 0.32% 0.80% 2.67%

39 Edison National Bank Fort Myers 248,567 87.10 40 4 1.32% 0.40% 0.95% 2.67%

40 Prime Meridian Bank Tallahassee 206,195 72.92 42 2 1.48% 0.46% 0.74% 2.68%

41 Englewood Bank & Trust Englewood 210,702 64.46 47 4 1.39% 0.32% 0.97% 2.68%

42 BankUnited, National Association Miami Lakes 16,858,264 52.69 1,626 107 1.12% 0.45% 1.11% 2.68%

43 Platinum Bank Brandon 462,473 76.45 94 7 1.77% 0.23% 0.69% 2.68%

44 Reunion Bank of Florida Tavares 260,375 69.81 44 4 1.59% 0.52% 0.58% 2.68%

45 Gateway Bank of Southwest Florida Sarasota 225,017 68.81 41 3 1.68% 0.40% 0.63% 2.71%

46 Sanibel Captiva Community Bank Sanibel 254,623 68.65 44 3 1.49% 0.23% 1.00% 2.72%

Rank the Banks

Florida

19 of 36

Florida - Total Overhead

Ranking Company Name City

Total

Assets

($000)

Efficiency

Ratio (FTE)

(%)

Total

Employees

Number

of

Offices

Personnel

Expense/ Avg.

Assets

(%)

Occupancy

Expense/ Avg.

Assets

(%)

Other

Expense/

Avg. Assets

(%)

Total

Overhead/

Avg. Assets

(%)

47 BankFIRST Winter Park 685,283 69.42 129 12 1.50% 0.48% 0.74% 2.72%

48 Atlantic Coast Bank Jacksonville 711,596 110.65 159 12 1.21% 0.45% 1.09% 2.75%

49 NorthStar Bank Tampa 208,254 89.75 33 2 1.31% 0.32% 1.14% 2.77%

50 Encore Bank, National Association Naples 341,351 85.38 51 6 1.31% 0.45% 1.02% 2.77%

51 Old Florida Bank Orlando 833,294 67.12 177 11 1.93% 0.44% 0.41% 2.79%

52 Palm Beach Community Bank West Palm Beach 250,594 67.12 45 6 1.59% 0.59% 0.64% 2.82%

53 Professional Bank Coral Gables 246,128 84.09 35 2 1.60% 0.40% 0.82% 2.82%

54 Broward Bank of Commerce Fort Lauderdale 168,483 64.11 28 2 1.82% 0.32% 0.71% 2.85%

55 Brannen Bank Inverness 425,458 78.20 119 12 1.25% 0.31% 1.31% 2.87%

56 First Florida Integrity Bank Naples 875,976 87.67 128 8 1.57% 0.39% 0.92% 2.88%

57 United Legacy Bank Longwood 233,522 82.11 36 5 1.48% 0.48% 0.91% 2.88%

58 Cornerstone Community Bank Saint Petersburg 222,093 75.97 53 6 1.54% 0.38% 0.97% 2.88%

59 Floridian Community Bank, Inc. Davie 310,100 78.86 53 4 1.62% 0.40% 0.87% 2.90%

60 Seaside National Bank & Trust Orlando 1,020,958 84.79 150 13 1.89% 0.46% 0.55% 2.90%

61 Farmers & Merchants Bank Monticello 417,250 77.22 92 6 1.43% 0.29% 1.19% 2.91%

62 Jefferson Bank of Florida Oldsmar 208,499 82.14 48 4 1.58% 0.47% 0.87% 2.92%

63 Capital Bank, National Association Coral Gables 6,625,503 65.32 1,515 164 1.41% 0.52% 1.02% 2.95%

64 Ocean Bank Miami 3,273,128 71.18 682 21 1.59% 0.35% 1.03% 2.97%

65 First America Bank Bradenton 265,835 90.25 63 5 1.52% 0.48% 0.98% 2.97%

66 Legacy Bank of Florida Boca Raton 254,336 89.07 46 5 1.53% 0.50% 0.96% 2.98%

67 1st United Bank Boca Raton 1,695,123 74.41 287 22 1.47% 0.47% 1.06% 2.99%

68 First National Bank Northwest Florida Panama City 106,798 90.00 34 2 1.67% 0.57% 0.76% 3.00%

69 Mainstreet Community Bank of Florida Deland 249,322 71.54 53 4 1.63% 0.35% 1.02% 3.00%

70 Florida Bank of Commerce Orlando 241,775 73.12 55 6 1.61% 0.46% 0.95% 3.02%

71 Gateway Bank of Central Florida Ocala 187,826 75.60 39 3 1.73% 0.39% 0.90% 3.02%

72 First State Bank of Arcadia Arcadia 142,240 67.06 43 2 1.60% 0.39% 1.06% 3.05%

73 First National Bank of Pasco Dade City 143,407 81.32 35 3 1.69% 0.30% 1.08% 3.07%

74 1st National Bank of South Florida Homestead 318,308 84.56 90 7 1.60% 0.50% 0.97% 3.08%

75 Marine Bank & Trust Company Vero Beach 151,301 79.24 33 2 1.72% 0.32% 1.04% 3.08%

76 FirstAtlantic Bank Jacksonville 388,853 64.12 85 8 1.77% 0.39% 0.93% 3.09%

77 First Florida Bank Destin 270,353 65.47 52 4 1.76% 0.56% 0.78% 3.10%

78 FineMark National Bank & Trust Fort Myers 767,526 80.55 109 8 1.84% 0.39% 0.88% 3.10%

79 Nature Coast Bank Hernando 57,976 84.08 16 2 1.63% 0.50% 0.98% 3.11%

80 First Green Bank Mount Dora 287,979 69.57 62 5 1.77% 0.39% 0.96% 3.12%

81 Patriot Bank Trinity 125,423 79.71 22 4 1.37% 0.38% 1.39% 3.13%

82 Freedom Bank of America Saint Petersburg 111,156 86.97 26 3 1.73% 0.39% 1.02% 3.14%

83 Community Bank of Broward Dania Beach 487,470 75.18 86 9 1.69% 0.45% 1.01% 3.14%

84 Paradise Bank Boca Raton 311,645 66.19 49 3 1.77% 0.64% 0.75% 3.16%

85 Charlotte State Bank & Trust Port Charlotte 276,609 63.59 82 5 1.62% 0.36% 1.18% 3.17%

86 Urban Trust Bank Lake Mary 617,161 70.24 146 22 1.56% 0.44% 1.17% 3.17%

87 American Enterprise Bank of Florida Jacksonville 201,460 96.58 43 2 1.65% 0.32% 1.24% 3.21%

88 Florida Bank Tampa 523,605 105.15 111 13 1.66% 0.68% 0.87% 3.21%

89 SouthBank, A Federal Savings Bank Palm Beach Gardens 22,747 200.00 4 1 0.89% 0.47% 1.86% 3.21%

90 Citizens Bank of Florida Oviedo 230,442 90.23 56 4 1.67% 0.37% 1.18% 3.21%

91 Sunshine State Bank Plant City 311,779 95.75 60 5 1.78% 0.50% 0.94% 3.22%

92 First Citrus Bank Tampa 234,351 81.53 59 5 1.83% 0.52% 0.87% 3.23%

Rank the Banks

Florida

20 of 36

Florida - Total Overhead

Ranking Company Name City

Total

Assets

($000)

Efficiency

Ratio (FTE)

(%)

Total

Employees

Number

of

Offices

Personnel

Expense/ Avg.

Assets

(%)

Occupancy

Expense/ Avg.

Assets

(%)

Other

Expense/

Avg. Assets

(%)

Total

Overhead/

Avg. Assets

(%)

93 United Southern Bank Umatilla 403,564 73.85 131 13 1.68% 0.43% 1.14% 3.25%

94 Preferred Community Bank Fort Myers 88,414 82.40 23 3 1.90% 0.19% 1.17% 3.26%

95 Bay Cities Bank Tampa 536,760 77.03 87 5 1.70% 0.37% 1.19% 3.26%

96 C1 Bank Saint Petersburg 1,449,214 59.84 221 28 1.33% 0.47% 1.49% 3.28%

97 Anchor Commercial Bank Juno Beach 105,802 92.76 22 2 1.11% 0.77% 1.41% 3.29%

98 Peoples National Bank Niceville 115,522 92.95 38 3 1.52% 0.69% 1.10% 3.31%

99 Sunstate Bank Miami 165,942 93.10 38 3 1.71% 0.43% 1.18% 3.32%

100 Florida Citizens Bank Gainesville 240,342 91.99 83 7 1.64% 0.64% 1.04% 3.32%

101 Eastern National Bank Miami 379,830 90.04 91 5 1.83% 0.67% 0.82% 3.32%

102 Jacksonville Bank Jacksonville 493,725 85.55 99 9 1.66% 0.52% 1.17% 3.34%

103 Beach Community Bank Fort Walton Beach 569,486 99.64 114 11 1.25% 0.40% 1.69% 3.34%

104 Seacoast National Bank Stuart 2,291,658 82.77 490 35 1.72% 0.43% 1.19% 3.34%

105 First Bank of the Palm Beaches West Palm Beach 94,495 98.12 20 1 2.11% 0.17% 1.08% 3.36%

106 HomeBanc National Association Lake Mary 856,283 80.74 100 13 1.93% 0.51% 0.92% 3.37%

107 Highlands Independent Bank Sebring 251,430 99.74 69 6 1.53% 0.40% 1.47% 3.40%

108 First City Bank of Florida Fort Walton Beach 225,966 104.71 57 4 1.44% 0.57% 1.39% 3.40%

109 Century Bank of Florida Tampa 72,225 96.92 14 1 1.75% 0.47% 1.20% 3.41%

110 Summit Bank, National Association Panama City 295,003 68.18 41 3 1.82% 0.26% 1.35% 3.43%

111 Insignia Bank Sarasota 171,695 83.54 44 2 2.04% 0.35% 1.05% 3.44%

112 Friends Bank New Smyrna Beach 99,076 106.86 29 3 1.57% 0.42% 1.45% 3.44%

113 Calusa Bank Punta Gorda 163,132 89.65 35 3 1.91% 0.39% 1.15% 3.46%

114 Executive National Bank Miami 340,192 81.68 79 4 1.96% 0.49% 1.01% 3.46%

115 Interamerican Bank, A FSB Miami 222,005 89.14 69 5 1.78% 0.48% 1.23% 3.49%

116 International Finance Bank Miami 357,807 90.29 88 4 1.86% 0.54% 1.10% 3.50%

117 Bank of Coral Gables Coral Gables 98,865 120.03 21 1 1.82% 0.32% 1.37% 3.51%

118 Flagship Community Bank Clearwater 94,424 89.45 25 2 2.02% 0.53% 0.98% 3.53%

119 Plus International Bank Miami 97,285 90.01 17 1 1.54% 0.34% 1.65% 3.53%

120 Apollo Bank Miami 296,435 88.22 55 8 1.97% 0.58% 0.99% 3.53%

121 Coconut Grove Bank Miami 611,178 30.08 95 5 1.65% 0.42% 1.47% 3.54%

122 Continental National Bank Miami 364,384 85.77 104 7 2.00% 0.82% 0.74% 3.56%

123 Terrabank, N.A. Miami 277,635 91.48 75 3 2.09% 0.45% 1.07% 3.62%

124 Gibraltar Private Bank & Trust Co. Coral Gables 1,571,582 112.46 271 8 2.15% 0.50% 0.97% 3.63%

125 Community Bank of Florida, Inc. Homestead 487,709 81.64 140 11 1.84% 0.44% 1.39% 3.67%

126 Bank of Commerce Sarasota 212,510 108.23 33 3 1.22% 0.86% 1.62% 3.70%

127 Columbia Bank Lake City 185,982 106.26 57 4 1.67% 0.34% 1.74% 3.75%

128 Bank of Pensacola Pensacola 64,490 134.77 16 2 1.74% 0.47% 1.56% 3.76%

129 Peoples State Bank Lake City 70,596 91.10 22 2 1.76% 0.34% 1.67% 3.78%

130 Oculina Bank Fort Pierce 170,361 81.62 56 8 1.83% 0.43% 1.55% 3.81%

131 Grand Bank & Trust of Florida West Palm Beach 211,921 92.94 46 3 1.81% 0.56% 1.44% 3.81%

132 Citizens Bank and Trust Lake Wales 453,558 79.23 145 12 2.08% 0.62% 1.14% 3.84%

133 Sabal Palm Bank Sarasota 103,471 110.62 21 2 2.05% 0.75% 1.05% 3.84%

134 Lafayette State Bank Mayo 101,176 78.21 33 4 2.08% 0.56% 1.22% 3.86%

135 Citizens State Bank Perry 221,024 63.79 50 4 1.56% 0.51% 1.83% 3.90%

136 Intercredit Bank, NA Miami 313,500 94.33 79 5 2.25% 0.53% 1.13% 3.90%

137 Surety Bank Deland 97,703 86.58 25 2 1.36% 0.25% 2.30% 3.91%

138 One South Bank Chipley 38,096 93.64 9 1 1.95% 0.53% 1.43% 3.91%

Rank the Banks

Florida

21 of 36

Florida - Total Overhead

Ranking Company Name City

Total

Assets

($000)

Efficiency

Ratio (FTE)

(%)

Total

Employees

Number

of

Offices

Personnel

Expense/ Avg.

Assets

(%)

Occupancy

Expense/ Avg.

Assets

(%)

Other

Expense/

Avg. Assets

(%)

Total

Overhead/

Avg. Assets

(%)

139 Alarion Bank Ocala 282,804 84.49 91 6 2.07% 0.48% 1.37% 3.92%

140 Floridian Bank Daytona Beach 388,046 81.32 79 9 2.15% 0.76% 1.01% 3.93%

141 First Bank Clewiston 269,360 82.64 84 5 1.95% 0.46% 1.52% 3.93%

142 FNBT.Com Bank Fort Walton Beach 375,680 79.35 100 11 1.95% 0.39% 1.59% 3.93%

143 Drummond Community Bank Chiefland 369,826 66.34 120 11 1.92% 0.72% 1.30% 3.94%

144 First Avenue National Bank Ocala 95,564 90.43 26 2 1.80% 0.44% 1.71% 3.95%

145 Regent Bank Davie 357,033 91.91 94 5 2.24% 0.42% 1.31% 3.97%

146 First National Bank of Wauchula Wauchula 78,482 93.89 30 1 1.95% 0.47% 1.57% 3.99%

147 First National Bank of Crestview Crestview 83,202 222.43 28 3 1.44% 0.58% 1.97% 3.99%

148 Pilot Bank Tampa 216,069 117.79 52 5 1.71% 0.64% 1.69% 4.04%

149 EverBank Jacksonville 19,749,765 76.25 3,156 15 2.25% 0.22% 1.57% 4.04%

150 FirstCity Bank of Commerce Palm Beach Gardens 60,959 92.16 13 1 2.06% 0.40% 1.59% 4.04%

151 1st Manatee Bank Parrish 105,684 68.78 28 3 2.39% 0.19% 1.51% 4.10%

152 Harbor Community Bank Indiantown 694,523 79.02 201 17 1.82% 0.45% 1.82% 4.10%

153 CenterState Bank of Florida, National Association Winter Haven 3,888,623 87.08 858 68 2.20% 0.46% 1.44% 4.10%

154 Gulf Coast Community Bank Pensacola 150,124 99.74 47 5 1.82% 0.48% 1.88% 4.18%

155 Central Bank Tampa 80,224 105.23 22 1 2.57% 0.31% 1.32% 4.20%

156 First National Bank of Mount Dora Mount Dora 203,812 77.10 79 5 2.50% 0.48% 1.23% 4.22%

157 U.S. Century Bank Doral 853,887 106.23 239 22 1.75% 0.93% 1.61% 4.28%

158 Banesco USA Coral Gables 864,076 87.91 218 6 2.64% 0.61% 1.14% 4.38%

159 First Home Bank Seminole 76,096 89.22 20 2 2.11% 0.52% 1.75% 4.39%

160 First Federal Bank of Florida Lake City 1,036,084 79.94 331 20 2.60% 0.56% 1.24% 4.40%

161 Capital City Bank Tallahassee 2,549,198 88.44 897 71 2.39% 0.69% 1.34% 4.42%

162 Helm Bank USA Miami 778,231 101.49 115 1 1.34% 0.96% 2.19% 4.49%

163 Mackinac Savings Bank, FSB Boynton Beach 111,020 97.67 44 3 3.24% 0.53% 0.88% 4.65%

164 Pinnacle Bank Orange City 167,648 181.71 24 2 1.22% 0.35% 3.19% 4.75%

165 OptimumBank Plantation 128,168 106.82 18 3 1.49% 0.36% 2.99% 4.83%

166 Sunshine Savings Bank Tallahassee 148,626 97.25 56 6 2.37% 0.83% 1.74% 4.94%

167 ProBank Tallahassee 50,818 150.68 13 2 2.09% 0.97% 1.92% 4.98%

168 Community State Bank Starke 61,801 96.34 29 2 2.49% 0.58% 2.01% 5.09%

169 Home Federal Bank of Hollywood Hallandale Beach 48,181 135.51 17 1 2.88% 0.20% 2.07% 5.15%

170 Independent Bankers' Bank of Florida Lake Mary 168,925 127.06 29 1 1.58% 0.29% 3.36% 5.24%

171 Southern Commerce Bank, National Association Tampa 75,457 92.99 34 8 2.35% 1.28% 2.53% 6.16%

172 Commerce National Bank & Trust Winter Park 80,180 96.38 30 1 3.36% 0.67% 2.69% 6.73%

173 Florida Capital Bank, N.A. Jacksonville 399,114 145.62 159 5 3.99% 0.99% 2.32% 7.30%

174 CBC National Bank Fernandina Beach 442,064 93.07 358 4 5.89% 0.69% 2.19% 8.77%

175 TCM Bank, National Association Tampa 176,084 68.20 45 1 3.38% 0.48% 6.88% 10.74%

Rank the Banks

Florida

22 of 36

Florida - Asset Quality

Ranking Company Name City

Total

Assets

($000)

Gross

Loans

Loan Loss

Reserves/ Gross

Loans (%)

Adj 30-

89PD/

Gross Loans

Adj 90+PD/

Gross Loans

Adj NPLs +

Adj

OREO/Gross

Loans

Net

Chargeoffs/

Avg Loans

(%)

Asset

Quality

Composite

1 Bank of Coral Gables Coral Gables 98,865 62,316 3.55 0.03 0.00 0.09 -0.56 -0.44

2 First Bank of the Palm Beaches West Palm Beach 94,495 63,250 1.69 0.00 0.00 0.07 -0.48 -0.41

3 First National Bank of Crestview Crestview 83,202 28,605 5.22 0.00 0.00 0.46 -0.78 -0.31

4 Central Bank Tampa 80,224 61,336 2.57 0.00 0.00 0.01 -0.23 -0.22

5 Preferred Community Bank Fort Myers 88,414 63,749 1.41 0.00 0.00 0.05 -0.22 -0.17

6 Gibraltar Private Bank & Trust Co. Coral Gables 1,571,582 1,405,070 1.85 0.00 0.00 0.05 -0.20 -0.15

7 Florida Business Bank Melbourne 107,462 69,305 1.93 0.00 0.00 0.02 -0.16 -0.14

8 Community Bank of the South Merritt Island 142,225 42,060 3.96 0.00 0.00 0.06 -0.17 -0.11

9 Gateway Bank of Florida Daytona Beach 254,918 93,787 2.32 0.02 0.00 0.03 -0.11 -0.07

10 Executive National Bank Miami 340,192 226,418 1.67 0.02 0.00 0.01 -0.09 -0.06

11 Patriot Bank Trinity 125,423 98,284 1.35 0.00 0.00 0.06 -0.10 -0.04

12 Biscayne Bank Coconut Grove 398,363 344,419 1.02 0.00 0.00 0.00 -0.04 -0.03

13 Terrabank, N.A. Miami 277,635 199,229 1.34 0.00 0.00 0.01 -0.03 -0.02

14 Commerce National Bank & Trust Winter Park 80,180 61,210 4.56 0.01 0.00 0.07 -0.09 -0.01

15 Prime Meridian Bank Tallahassee 206,195 135,933 1.73 0.00 0.00 0.01 -0.02 -0.01

16 Intracoastal Bank Palm Coast 228,602 114,909 1.34 0.00 0.00 0.00 0.00 0.00

17 First Green Bank Mount Dora 287,979 229,212 1.33 0.00 0.00 0.00 0.00 0.00

18 GulfShore Bank Tampa 262,656 174,463 1.37 0.00 0.00 0.02 -0.01 0.01

19 Hillsboro Bank Plant City 117,216 42,324 1.89 0.00 0.00 0.01 0.00 0.01

20 Marquis Bank Coral Gables 252,937 191,380 1.33 0.00 0.00 0.02 -0.01 0.01

21 Summit Bank, National Association Panama City 295,003 151,968 1.53 0.00 0.00 0.01 0.00 0.01

22 Old Florida Bank Orlando 833,294 656,846 1.27 0.00 0.00 0.02 -0.01 0.01

23 Broward Bank of Commerce Fort Lauderdale 168,483 111,070 1.64 0.00 0.00 0.01 0.00 0.01

24 Warrington Bank Pensacola 82,522 26,858 0.97 0.00 0.00 0.00 0.01 0.01

25 First Florida Bank Destin 270,353 142,203 1.82 0.01 0.00 0.01 -0.01 0.01

26 FineMark National Bank & Trust Fort Myers 767,526 547,964 1.13 0.00 0.00 0.01 0.01 0.02

27 Bank of Pensacola Pensacola 64,490 15,968 1.00 0.00 0.00 0.00 0.02 0.02

28 Professional Bank Coral Gables 246,128 157,177 1.02 0.00 0.00 0.01 0.01 0.02

29 First Avenue National Bank Ocala 95,564 73,140 2.09 0.00 0.00 0.03 -0.01 0.02

30 First Colony Bank of Florida Maitland 155,672 105,864 1.86 0.01 0.00 0.02 0.00 0.03

31 Bank of the South Pensacola 75,757 16,020 1.24 0.00 0.02 0.00 0.01 0.03

32 One South Bank Chipley 38,096 26,588 1.15 0.03 0.00 0.00 0.00 0.03

33 First National Bank of South Miami South Miami 558,413 234,804 1.11 0.00 0.00 0.01 0.02 0.03

34 Stonegate Bank Pompano Beach 1,657,571 1,211,941 1.51 0.00 0.00 0.02 0.02 0.04

35 Sunrise Bank Cocoa Beach 111,076 70,721 2.70 0.02 0.00 0.03 -0.01 0.04

36 Community Southern Bank Lakeland 244,829 157,293 1.17 0.00 0.00 0.01 0.03 0.04

37 Oculina Bank Fort Pierce 170,361 142,210 1.27 0.00 0.00 0.02 0.02 0.04

38 Gateway Bank of Southwest Florida Sarasota 225,017 120,797 1.39 0.00 0.00 0.03 0.01 0.04

39 1st Manatee Bank Parrish 105,684 81,906 1.31 0.00 0.00 0.01 0.03 0.04

40 Independent Bankers' Bank of Florida Lake Mary 168,925 91,768 4.58 0.00 0.00 0.27 -0.23 0.04

41 American National Bank Oakland Park 255,071 173,020 1.05 0.00 0.00 0.03 0.02 0.05

42 Continental National Bank Miami 364,384 199,196 1.12 0.00 0.01 0.02 0.02 0.05

43 Calusa Bank Punta Gorda 163,132 109,613 1.97 0.00 0.01 0.03 0.00 0.05

44 Banesco USA Coral Gables 864,076 592,041 1.28 0.00 0.01 0.03 0.03 0.07

45 Platinum Bank Brandon 462,473 364,587 1.38 0.00 0.00 0.04 0.03 0.07

46 Raymond James Bank, National Association Saint Petersburg 12,141,114 10,516,582 1.35 0.00 0.00 0.01 0.06 0.07

47 Florida Bank of Commerce Orlando 241,775 184,371 1.55 0.00 0.00 0.03 0.04 0.07

Rank the Banks

Florida

23 of 36

Florida - Asset Quality

Ranking Company Name City

Total

Assets

($000)

Gross

Loans

Loan Loss

Reserves/ Gross

Loans (%)

Adj 30-

89PD/

Gross Loans

Adj 90+PD/

Gross Loans

Adj NPLs +

Adj

OREO/Gross

Loans

Net

Chargeoffs/

Avg Loans

(%)

Asset

Quality

Composite

48 Ocean Bank Miami 3,273,128 2,250,993 1.41 0.01 0.00 0.07 -0.01 0.08

49 Bay Cities Bank Tampa 536,760 359,701 1.22 0.01 0.02 0.04 0.01 0.08

50 Sunstate Bank Miami 165,942 77,730 2.77 0.00 0.00 0.11 -0.03 0.08

51 New Traditions Bank Orlando 518,173 329,444 0.29 0.00 0.00 0.01 0.07 0.08

52 Jefferson Bank of Florida Oldsmar 208,499 136,689 1.42 0.00 0.00 0.00 0.08 0.08

53 1st National Bank of South Florida Homestead 318,308 174,873 1.27 0.00 0.00 0.08 0.01 0.10

54 Heartland National Bank Sebring 309,186 148,324 2.46 0.01 0.00 0.04 0.05 0.10

55 Reunion Bank of Florida Tavares 260,375 199,122 0.87 0.01 0.00 0.01 0.09 0.10

56 Bank of Tampa Tampa 1,319,479 740,687 1.83 0.00 0.00 0.03 0.07 0.10

57 Grand Bank & Trust of Florida West Palm Beach 211,921 130,122 2.60 0.00 0.00 0.18 -0.07 0.11

58 Urban Trust Bank Lake Mary 617,161 529,192 2.37 0.01 0.00 0.06 0.04 0.11

59 First Bank Clewiston 269,360 186,390 2.02 0.01 0.00 0.06 0.05 0.12

60 USAmeriBank Clearwater 2,985,572 2,395,028 1.06 0.00 0.00 0.02 0.11 0.13

61 Palm Beach Community Bank West Palm Beach 250,594 187,581 1.04 0.01 0.00 0.03 0.09 0.13

62 SouthBank, A Federal Savings Bank Palm Beach Gardens 22,747 3,086 1.65 0.00 0.00 0.15 0.00 0.15

63 Bank of Central Florida Lakeland 346,252 247,805 0.92 0.00 0.00 0.01 0.14 0.15

64 Eastern National Bank Miami 379,830 338,918 1.35 0.00 0.00 0.01 0.14 0.15

65 Seacoast National Bank Stuart 2,291,658 1,353,321 1.34 0.00 0.00 0.04 0.11 0.15

66 BankUnited, National Association Miami Lakes 16,858,264 10,579,715 0.71 0.00 0.00 0.00 0.15 0.16

67 First Florida Integrity Bank Naples 875,976 573,054 1.15 0.00 0.00 0.01 0.14 0.16

68 Edison National Bank Fort Myers 248,567 119,565 2.10 0.00 0.00 0.02 0.14 0.16

69 Plus International Bank Miami 97,285 46,177 0.46 0.00 0.00 0.00 0.16 0.16

70 Community Bank of Broward Dania Beach 487,470 412,683 1.49 0.00 0.00 0.09 0.08 0.17

71 Mainstreet Community Bank of Florida Deland 249,322 173,147 2.08 0.00 0.00 0.03 0.15 0.18

72 Encore Bank, National Association Naples 341,351 199,752 1.01 0.01 0.01 0.01 0.16 0.19

73 Florida Community Bank, National Association Weston 5,568,445 3,271,849 0.55 0.00 0.02 0.02 0.15 0.19

74 Florida Bank Tampa 523,605 329,235 2.45 0.00 0.00 0.01 0.19 0.20

75 Cornerstone Community Bank Saint Petersburg 222,093 155,596 1.39 0.01 0.00 0.05 0.13 0.20

76 Peoples State Bank Lake City 70,596 52,554 2.49 0.00 0.00 0.16 0.05 0.21

77 Capital Bank, National Association Coral Gables 6,625,503 4,722,175 1.17 0.00 0.04 0.02 0.15 0.21

78 Helm Bank USA Miami 778,231 415,541 1.96 0.02 0.00 0.07 0.12 0.21

79 FirstAtlantic Bank Jacksonville 388,853 275,546 0.90 0.00 0.00 0.04 0.18 0.22

80 CBC National Bank Fernandina Beach 442,064 305,628 1.53 0.01 0.00 0.06 0.16 0.22

81 CenterState Bank of Florida, National Association Winter Haven 3,888,623 2,397,511 0.80 0.01 0.01 0.03 0.19 0.23

82 Florida Citizens Bank Gainesville 240,342 167,321 1.89 0.01 0.00 0.06 0.17 0.24

83 Coconut Grove Bank Miami 611,178 213,832 3.25 0.00 0.00 0.04 0.20 0.25

84 1st United Bank Boca Raton 1,695,123 1,140,307 0.88 0.00 0.00 0.03 0.22 0.25

85 Insignia Bank Sarasota 171,695 133,907 1.54 0.00 0.00 0.02 0.24 0.26

86 First Federal Bank of Florida Lake City 1,036,084 598,442 1.06 0.02 0.02 0.03 0.20 0.26

87 BAC Florida Bank Coral Gables 1,492,512 1,185,580 1.41 0.00 0.00 0.06 0.20 0.27

88 Pilot Bank Tampa 216,069 142,061 1.45 0.01 0.00 0.10 0.16 0.27

89 United Legacy Bank Longwood 233,522 150,607 1.41 0.00 0.00 0.01 0.25 0.27

90 BankFIRST Winter Park 685,283 380,785 1.46 0.00 0.00 0.03 0.24 0.27

91 HomeBanc National Association Lake Mary 856,283 593,969 0.32 0.06 0.18 0.00 0.03 0.27

92 Freedom Bank of America Saint Petersburg 111,156 89,236 1.59 0.00 0.00 0.05 0.23 0.28

93 Seaside National Bank & Trust Orlando 1,020,958 744,511 1.20 0.00 0.00 0.02 0.26 0.28

Rank the Banks

Florida

24 of 36

Florida - Asset Quality

Ranking Company Name City

Total

Assets

($000)

Gross

Loans

Loan Loss

Reserves/ Gross

Loans (%)

Adj 30-

89PD/

Gross Loans

Adj 90+PD/

Gross Loans

Adj NPLs +

Adj

OREO/Gross

Loans

Net

Chargeoffs/

Avg Loans

(%)

Asset

Quality

Composite

94 Mackinac Savings Bank, FSB Boynton Beach 111,020 49,894 0.74 0.01 0.00 0.03 0.26 0.29

95 First National Bank of Mount Dora Mount Dora 203,812 107,621 3.44 0.01 0.00 0.10 0.18 0.30

96 Gulf Coast Community Bank Pensacola 150,124 88,297 3.13 0.01 0.00 0.34 -0.04 0.31

97 Friends Bank New Smyrna Beach 99,076 67,744 2.67 0.01 0.00 0.17 0.13 0.32

98 Citizens Bank and Trust Lake Wales 453,558 291,356 1.83 0.00 0.00 0.07 0.26 0.33

99 Sanibel Captiva Community Bank Sanibel 254,623 213,638 1.35 0.00 0.00 0.05 0.28 0.33

100 Alarion Bank Ocala 282,804 217,048 1.85 0.00 0.00 0.03 0.30 0.34

101 Century Bank of Florida Tampa 72,225 45,115 2.99 0.01 0.00 0.15 0.19 0.34

102 Harbor Community Bank Indiantown 694,523 369,748 0.95 0.01 0.00 0.03 0.30 0.35

103 Interamerican Bank, A FSB Miami 222,005 166,638 3.65 0.02 0.00 0.20 0.14 0.36

104 Flagler Bank West Palm Beach 163,936 97,474 2.00 0.00 0.00 0.13 0.23 0.36

105 Nature Coast Bank Hernando 57,976 40,605 2.18 0.00 0.00 0.08 0.30 0.38

106 Apollo Bank Miami 296,435 203,016 1.11 0.00 0.00 0.03 0.36 0.39

107 Bank of Commerce Sarasota 212,510 145,439 1.95 0.00 0.00 0.16 0.22 0.39

108 CNLBank Orlando 1,275,394 749,027 1.78 0.00 0.00 0.06 0.33 0.39

109 EverBank Jacksonville 19,749,765 16,999,050 0.33 0.01 0.14 0.02 0.25 0.42

110 FNBT.Com Bank Fort Walton Beach 375,680 131,698 3.52 0.00 0.00 0.11 0.32 0.44

111 Bank of Belle Glade Belle Glade 90,174 25,605 1.56 0.02 0.00 0.02 0.41 0.44

112 First Citrus Bank Tampa 234,351 193,783 1.01 0.01 0.00 0.05 0.40 0.45

113 Intercredit Bank, NA Miami 313,500 224,050 1.98 0.01 0.00 0.03 0.41 0.46

114 C1 Bank Saint Petersburg 1,449,214 1,059,379 0.43 0.00 0.00 0.06 0.41 0.47

115 TransCapital Bank Sunrise 166,642 124,627 3.23 0.02 0.00 0.26 0.21 0.49

116 Paradise Bank Boca Raton 311,645 224,707 1.29 0.00 0.00 0.02 0.48 0.50

117 First America Bank Bradenton 265,835 180,505 1.06 0.01 0.00 0.05 0.45 0.50

118 Citizens State Bank Perry 221,024 179,827 1.06 0.01 0.00 0.03 0.47 0.51

119 Home Federal Bank of Hollywood Hallandale Beach 48,181 34,093 2.35 0.00 0.00 0.08 0.43 0.51

120 Gateway Bank of Central Florida Ocala 187,826 132,160 2.05 0.00 0.00 0.03 0.48 0.52

121 Community State Bank Starke 61,801 29,015 2.47 0.01 0.00 0.08 0.43 0.52

122 Peoples National Bank Niceville 115,522 51,084 1.28 0.02 0.00 0.08 0.43 0.53

123 Community Bank of Florida, Inc. Homestead 487,709 340,871 1.63 0.01 0.00 0.12 0.40 0.53

124 Community Bank and Trust of Florida Ocala 620,370 253,754 2.85 0.00 0.00 0.03 0.50 0.53

125 Marine Bank & Trust Company Vero Beach 151,301 107,108 2.13 0.00 0.00 0.04 0.51 0.55

126 Madison County Community Bank Madison 108,932 55,754 1.41 0.01 0.00 0.06 0.49 0.55

127 Citizens Bank of Florida Oviedo 230,442 133,766 1.77 0.00 0.00 0.04 0.52 0.56

128 First Home Bank Seminole 76,096 52,136 2.59 0.00 0.00 0.02 0.54 0.56

129 Drummond Community Bank Chiefland 369,826 189,281 1.64 0.00 0.00 0.05 0.52 0.57

130 Peoples Bank of Graceville Graceville 84,934 26,467 1.40 0.03 0.00 0.06 0.49 0.58

131 Landmark Bank, National Association Fort Lauderdale 365,156 298,858 2.12 0.00 0.00 0.18 0.42 0.60

132 Sunshine Savings Bank Tallahassee 148,626 98,213 1.19 0.01 0.00 0.05 0.54 0.60

133 Citizens First Bank The Villages 1,627,945 279,806 3.69 0.00 0.00 0.17 0.43 0.61

134 Legacy Bank of Florida Boca Raton 254,336 166,979 1.80 0.00 0.00 0.08 0.53 0.61

135 OptimumBank Plantation 128,168 73,790 3.03 0.00 0.00 0.21 0.43 0.64

136 Merchants & Southern Bank Gainesville 416,765 222,997 1.60 0.00 0.00 0.05 0.61 0.66

137 Capital City Bank Tallahassee 2,549,198 1,418,631 1.45 0.00 0.00 0.08 0.61 0.69

138 Brannen Bank Inverness 425,458 198,880 1.11 0.01 0.01 0.05 0.65 0.71

139 Charlotte State Bank & Trust Port Charlotte 276,609 154,411 2.88 0.00 0.00 0.13 0.62 0.75

Rank the Banks

Florida

25 of 36

Florida - Asset Quality

Ranking Company Name City

Total

Assets

($000)

Gross

Loans

Loan Loss

Reserves/ Gross

Loans (%)

Adj 30-

89PD/

Gross Loans

Adj 90+PD/

Gross Loans

Adj NPLs +

Adj

OREO/Gross

Loans

Net

Chargeoffs/

Avg Loans

(%)

Asset

Quality

Composite

140 Floridian Community Bank, Inc. Davie 310,100 247,278 1.22 0.01 0.01 0.06 0.68 0.75

141 Flagship Community Bank Clearwater 94,424 78,337 1.86 0.00 0.01 0.09 0.67 0.77

142 First National Bank of Wauchula Wauchula 78,482 46,085 2.90 0.03 0.00 0.09 0.65 0.77

143 First City Bank of Florida Fort Walton Beach 225,966 143,951 2.45 0.04 0.00 0.37 0.38 0.79

144 Highlands Independent Bank Sebring 251,430 120,170 3.74 0.02 0.00 0.12 0.66 0.81

145 Sunshine State Bank Plant City 311,779 110,166 1.61 0.02 0.00 0.09 0.70 0.81

146 Farmers & Merchants Bank Monticello 417,250 254,356 1.75 0.00 0.00 0.06 0.77 0.83

147 First National Bank Northwest Florida Panama City 106,798 62,690 2.43 0.00 0.00 0.07 0.90 0.98

148 United Southern Bank Umatilla 403,564 263,960 2.40 0.01 0.00 0.07 0.96 1.04

149 American Enterprise Bank of Florida Jacksonville 201,460 154,269 1.89 0.01 0.00 0.06 0.99 1.06

150 First State Bank of the Florida Keys Key West 792,873 426,479 1.92 0.00 0.00 0.07 0.99 1.06

151 NorthStar Bank Tampa 208,254 80,513 1.28 0.00 0.00 0.02 1.04 1.07

152 First National Bank of Pasco Dade City 143,407 75,954 4.23 0.00 0.00 0.04 1.03 1.07

153 FirstCity Bank of Commerce Palm Beach Gardens 60,959 45,600 1.74 0.03 0.00 0.09 1.02 1.14

154 Floridian Bank Daytona Beach 388,046 259,412 1.87 0.01 0.00 0.02 1.11 1.14

155 Sabal Palm Bank Sarasota 103,471 75,656 1.77 0.00 0.00 0.00 1.14 1.14

156 Jacksonville Bank Jacksonville 493,725 368,915 3.97 0.00 0.00 0.09 1.08 1.17

157 Southern Commerce Bank, National Association Tampa 75,457 29,659 4.40 0.00 0.00 0.05 1.15 1.20

158 Florida Capital Bank, N.A. Jacksonville 399,114 277,260 1.91 0.01 0.00 0.11 1.09 1.21

159 Wauchula State Bank Wauchula 601,491 388,701 2.44 0.00 0.00 0.10 1.12 1.23

160 Beach Community Bank Fort Walton Beach 569,486 402,391 1.76 0.04 0.01 0.48 0.77 1.30

161 U.S. Century Bank Doral 853,887 709,876 1.98 0.02 0.00 0.12 1.16 1.30

162 Columbia Bank Lake City 185,982 104,994 4.02 0.01 0.00 0.20 1.35 1.56

163 Regent Bank Davie 357,033 265,526 3.03 0.01 0.00 0.16 1.54 1.71

164 Pinnacle Bank Orange City 167,648 90,097 3.35 0.00 0.00 0.25 1.50 1.75

165 Anchor Commercial Bank Juno Beach 105,802 67,365 2.56 0.01 0.00 0.24 1.51 1.75

166 First State Bank of Arcadia Arcadia 142,240 77,704 5.11 0.00 0.00 0.16 1.62 1.78

167 International Finance Bank Miami 357,807 243,467 3.53 0.02 0.00 0.12 1.90 2.05

168 Atlantic Coast Bank Jacksonville 711,596 439,613 1.59 0.00 0.00 0.08 2.02 2.10

169 Englewood Bank & Trust Englewood 210,702 117,447 3.29 0.00 0.00 0.10 2.04 2.14

170 ProBank Tallahassee 50,818 30,776 2.51 0.00 0.00 0.21 2.03 2.24

171 TCM Bank, National Association Tampa 176,084 154,966 3.22 0.01 0.01 0.00 2.31 2.33

172 Fidelity Bank of Florida, National Association Merritt Island 262,230 144,759 3.22 0.01 0.00 0.07 2.25 2.33

173 Lafayette State Bank Mayo 101,176 73,582 5.04 0.05 0.02 0.05 3.19 3.31

174 Intercontinental Bank West Miami 155,396 35,024 1.62 0.02 0.01 0.05 3.54 3.61

175 Surety Bank Deland 97,703 55,501 1.70 0.00 0.00 0.20 4.32 4.53

Rank the Banks

Florida

26 of 36

Florida - ROAE

Ranking Company Name City

Total

Assets

($000)

LTM Net

Income ($000)/

Employee

LTM Net

Income

($000)

13Q2 LTM

Net Income

($000)

12Q2 LTM

Net Income

($000)

ROAA

(%)

ROAE

(%)

1 Floridian Bank Daytona Beach 388,046 151 11,958 157 293 5.93 63.96

2 Southern Commerce Bank, National Association Tampa 75,457 365 12,410 -2,004 -3,001 16.42 61.03

3 Fidelity Bank of Florida, National Association Merritt Island 262,230 322 13,515 4,318 -2,684 4.87 56.63

4 Marine Bank & Trust Company Vero Beach 151,301 109 3,602 -115 -3,381 2.48 31.27

5 Anchor Commercial Bank Juno Beach 105,802 95 2,081 -689 -3,691 1.97 28.87

6 Freedom Bank of America Saint Petersburg 111,156 122 3,164 -1,434 -1,211 3.16 27.29

7 Coconut Grove Bank Miami 611,178 265 25,189 1,897 1,103 4.11 26.75

8 Paradise Bank Boca Raton 311,645 117 5,719 5,338 3,898 1.87 20.60

9 Seacoast National Bank Stuart 2,291,658 103 50,253 7,059 5,416 2.24 20.39

10 Citizens State Bank Perry 221,024 58 2,877 1,287 310 1.43 18.32

11 Eastern National Bank Miami 379,830 69 6,301 1,346 -8,702 1.67 16.77

12 Apollo Bank Miami 296,435 88 4,867 1,174 1,049 1.81 16.45

13 Intracoastal Bank Palm Coast 228,602 113 2,710 2,653 1,882 1.32 16.25

14 Wauchula State Bank Wauchula 601,491 64 9,187 6,518 9,286 1.58 15.67

15 Sunstate Bank Miami 165,942 85 3,233 4,571 -4,471 2.01 15.64

16 Flagler Bank West Palm Beach 163,936 107 2,245 1,288 1,159 1.41 15.58

17 Biscayne Bank Coconut Grove 398,363 100 4,509 4,414 2,530 1.28 14.51

18 Raymond James Bank, National Association Saint Petersburg 12,141,114 944 160,454 172,383 135,188 1.42 13.86

19 Charlotte State Bank & Trust Port Charlotte 276,609 39 3,179 2,429 2,052 1.17 13.81

20 USAmeriBank Clearwater 2,985,572 72 35,562 28,606 13,875 1.24 13.64

21 Mainstreet Community Bank of Florida Deland 249,322 56 2,960 2,238 1,378 1.25 13.59

22 BankUnited, National Association Miami Lakes 16,858,264 132 213,860 223,869 203,476 1.45 12.96

23 First Colony Bank of Florida Maitland 155,672 129 2,194 1,654 1,386 1.40 12.67

24 1st Manatee Bank Parrish 105,684 46 1,280 901 713 1.23 11.75

25 Merchants & Southern Bank Gainesville 416,765 38 4,424 2,724 2,022 1.07 11.42

26 Peoples Bank of Graceville Graceville 84,934 83 1,247 1,243 1,318 1.52 11.27

27 C1 Bank Saint Petersburg 1,449,214 63 13,820 10,826 6,566 1.04 11.21

28 Drummond Community Bank Chiefland 369,826 39 4,728 4,262 3,451 1.30 10.69

29 TransCapital Bank Sunrise 166,642 93 2,415 1,957 -4,881 1.30 10.55

30 Palm Beach Community Bank West Palm Beach 250,594 70 3,155 2,803 2,405 1.32 10.48

31 Brannen Bank Inverness 425,458 28 3,303 4,246 6,324 0.79 10.44

32 First Florida Bank Destin 270,353 52 2,725 3,005 2,010 1.12 10.06

33 Englewood Bank & Trust Englewood 210,702 38 1,774 2,078 -474 0.88 9.99

34 Citizens Bank and Trust Lake Wales 453,558 25 3,590 2,100 2,240 0.85 9.65

35 Calusa Bank Punta Gorda 163,132 43 1,521 1,786 1,019 0.98 9.42

36 Broward Bank of Commerce Fort Lauderdale 168,483 62 1,745 571 2,253 1.08 9.27

37 Ocean Bank Miami 3,273,128 50 34,062 168,743 34,500 1.03 9.16

38 Bank of Tampa Tampa 1,319,479 39 8,479 8,052 7,043 0.65 8.48

39 Sunrise Bank Cocoa Beach 111,076 41 937 2,610 1,933 0.85 8.45

40 Hillsboro Bank Plant City 117,216 58 1,150 663 774 0.98 8.42

Rank the Banks

Florida

27 of 36

Florida - ROAE

Ranking Company Name City

Total

Assets

($000)

LTM Net

Income ($000)/

Employee

LTM Net

Income

($000)

13Q2 LTM

Net Income

($000)

12Q2 LTM

Net Income

($000)

ROAA

(%)

ROAE

(%)

41 Old Florida Bank Orlando 833,294 36 6,348 5,339 5,407 0.78 8.36

42 Professional Bank Coral Gables 246,128 42 1,472 1,206 998 0.67 8.15

43 First Home Bank Seminole 76,096 19 377 -355 -2,243 0.53 8.11

44 Oculina Bank Fort Pierce 170,361 23 1,291 -1,049 -361 0.79 8.09

45 Sanibel Captiva Community Bank Sanibel 254,623 42 1,840 2,369 415 0.78 7.87

46 Citizens First Bank The Villages 1,627,945 55 10,264 24,359 21,927 0.63 7.86

47 Grand Bank & Trust of Florida West Palm Beach 211,921 34 1,542 561 -3,510 0.70 7.73

48 FNBT.Com Bank Fort Walton Beach 375,680 35 3,471 4,425 2,838 0.94 7.71

49 First State Bank of the Florida Keys Key West 792,873 31 5,449 2,779 -117 0.66 7.54

50 BAC Florida Bank Coral Gables 1,492,512 58 9,122 6,227 2,192 0.65 7.47

51 EverBank Jacksonville 19,749,765 39 123,906 142,820 49,893 0.69 7.45

52 First State Bank of Arcadia Arcadia 142,240 26 1,122 1,507 755 0.81 7.27

53 Gateway Bank of Southwest Florida Sarasota 225,017 34 1,384 2,643 2,318 0.60 7.24

54 FirstAtlantic Bank Jacksonville 388,853 41 3,486 3,385 1,246 0.89 7.23

55 Community Bank and Trust of Florida Ocala 620,370 37 4,604 5,419 4,509 0.77 7.19

56 TCM Bank, National Association Tampa 176,084 66 2,980 4,283 5,254 1.72 7.17

57 Landmark Bank, National Association Fort Lauderdale 365,156 68 2,911 2,689 2,230 1.05 7.09

58 Bank of Central Florida Lakeland 346,252 42 2,382 2,055 1,547 0.72 7.08

59 Community Bank of Broward Dania Beach 487,470 35 2,989 1,767 -465 0.62 7.04

60 Platinum Bank Brandon 462,473 37 3,470 3,639 2,328 0.78 6.97

61 Summit Bank, National Association Panama City 295,003 61 2,495 2,834 1,411 0.93 6.96

62 First Federal Bank of Florida Lake City 1,036,084 25 8,345 10,205 10,183 0.84 6.86

63 Gateway Bank of Central Florida Ocala 187,826 31 1,211 681 267 0.66 6.65

64 1st National Bank of South Florida Homestead 318,308 21 1,846 647 269 0.59 6.60

65 Bay Cities Bank Tampa 536,760 47 4,109 3,625 -6,714 0.80 6.47

66 Reunion Bank of Florida Tavares 260,375 32 1,427 1,753 1,057 0.61 6.45

67 Community Bank of Florida, Inc. Homestead 487,709 20 2,730 -3,091 -4,104 0.56 6.40

68 First Green Bank Mount Dora 287,979 30 1,836 962 648 0.73 6.37

69 Commerce National Bank & Trust Winter Park 80,180 17 495 -187 -3,744 0.64 6.34

70 New Traditions Bank Orlando 518,173 67 3,070 4,344 4,347 0.60 6.12

71 Terrabank, N.A. Miami 277,635 22 1,670 1,454 852 0.61 5.93

72 Harbor Community Bank Indiantown 694,523 22 4,441 -156 1,164 0.73 5.81

73 Florida Bank of Commerce Orlando 241,775 28 1,566 867 291 0.63 5.80

74 Farmers & Merchants Bank Monticello 417,250 21 1,911 222 1,563 0.45 5.79

74 Legacy Bank of Florida Boca Raton 254,336 21 953 -1,125 -1,937 0.38 5.79

76 Stonegate Bank Pompano Beach 1,657,571 45 8,721 9,149 8,851 0.63 5.74

76 American National Bank Oakland Park 255,071 45 1,752 1,866 724 0.73 5.74

78 Executive National Bank Miami 340,192 22 1,726 1,931 1,076 0.55 5.68

79 Heartland National Bank Sebring 309,186 30 1,543 911 1,108 0.52 5.67

80 Madison County Community Bank Madison 108,932 20 471 586 -247 0.45 5.63

Rank the Banks

Florida

28 of 36

Florida - ROAE

Ranking Company Name City

Total

Assets

($000)

LTM Net

Income ($000)/

Employee

LTM Net

Income

($000)

13Q2 LTM

Net Income

($000)

12Q2 LTM

Net Income

($000)

ROAA

(%)

ROAE

(%)

81 HomeBanc National Association Lake Mary 856,283 36 3,621 4,050 3,834 0.49 5.57

82 Edison National Bank Fort Myers 248,567 27 1,093 997 207 0.45 5.56

83 First National Bank of Mount Dora Mount Dora 203,812 19 1,478 1,224 918 0.75 5.50

84 Cornerstone Community Bank Saint Petersburg 222,093 26 1,369 1,029 -120 0.60 5.49

85 Peoples National Bank Niceville 115,522 12 440 -363 590 0.38 5.18

86 Capital Bank, National Association Coral Gables 6,625,503 38 57,098 75,112 38,261 0.87 5.13

87 Alarion Bank Ocala 282,804 13 1,206 472 -812 0.43 5.08

88 Florida Community Bank, National Association Weston 5,568,445 40 26,055 11,229 -17,375 0.61 4.96

89 First Bank Clewiston 269,360 13 1,115 1,291 508 0.44 4.93

90 United Southern Bank Umatilla 403,564 16 2,037 1,546 1,336 0.51 4.91

91 Florida Business Bank Melbourne 107,462 43 680 456 -1,097 0.61 4.79

92 Prime Meridian Bank Tallahassee 206,195 19 808 905 1,024 0.40 4.73

93 FineMark National Bank & Trust Fort Myers 767,526 24 2,611 2,683 1,813 0.37 4.63

94 First National Bank of Pasco Dade City 143,407 18 640 975 -2,245 0.44 4.52

95 GulfShore Bank Tampa 262,656 26 985 756 395 0.40 4.43

96 Marquis Bank Coral Gables 252,937 38 1,214 2,504 980 0.54 4.36

97 Intercredit Bank, NA Miami 313,500 14 1,091 -6,186 -3,916 0.34 4.28

98 Urban Trust Bank Lake Mary 617,161 25 3,663 8,304 2,773 0.58 4.17

99 1st United Bank Boca Raton 1,695,123 31 8,847 7,113 4,056 0.51 4.11

100 Patriot Bank Trinity 125,423 28 620 -478 -356 0.50 4.10

101 Continental National Bank Miami 364,384 12 1,262 996 852 0.37 4.04

101 Bank of Belle Glade Belle Glade 90,174 17 295 314 259 0.33 4.04

103 Community Southern Bank Lakeland 244,829 22 1,007 1,770 1,083 0.44 3.96

104 Florida Citizens Bank Gainesville 240,342 8 682 -428 -469 0.28 3.84

105 Preferred Community Bank Fort Myers 88,414 17 397 320 -970 0.48 3.83

106 Community Bank of the South Merritt Island 142,225 27 585 548 774 0.42 3.80

107 Jefferson Bank of Florida Oldsmar 208,499 16 756 1,046 876 0.39 3.63

108 First National Bank of South Miami South Miami 558,413 15 1,373 437 838 0.26 3.59

109 Capital City Bank Tallahassee 2,549,198 12 11,171 6,582 -320 0.44 3.44

110 Insignia Bank Sarasota 171,695 16 688 1,365 771 0.43 3.32

111 CenterState Bank of Florida, National Association Winter Haven 3,888,623 11 9,751 14,492 26,209 0.36 3.28

112 Bank of Coral Gables Coral Gables 98,865 9 199 -650 -2,122 0.19 3.20

113 Gateway Bank of Florida Daytona Beach 254,918 21 665 3,925 2,642 0.26 3.07

114 Interamerican Bank, A FSB Miami 222,005 10 720 344 -7,280 0.32 2.99

115 BankFIRST Winter Park 685,283 31 4,049 1,789 1,101 0.61 2.91

116 Nature Coast Bank Hernando 57,976 13 210 -192 111 0.36 2.87

117 United Legacy Bank Longwood 233,522 17 628 620 197 0.28 2.82

118 Jacksonville Bank Jacksonville 493,725 13 1,319 -26,775 -30,628 0.26 2.72

119 FirstCity Bank of Commerce Palm Beach Gardens 60,959 12 157 219 -226 0.26 2.68

120 CBC National Bank Fernandina Beach 442,064 3 1,117 4,248 1,796 0.29 2.63

Rank the Banks

Florida

29 of 36

Florida - ROAE

Ranking Company Name City

Total

Assets

($000)

LTM Net

Income ($000)/

Employee

LTM Net

Income

($000)

13Q2 LTM

Net Income

($000)

12Q2 LTM

Net Income

($000)

ROAA

(%)

ROAE

(%)

121 Banesco USA Coral Gables 864,076 9 1,997 1,205 5,251 0.24 2.58

121 First National Bank of Wauchula Wauchula 78,482 6 179 -1,332 -109 0.24 2.58

123 Plus International Bank Miami 97,285 19 319 458 273 0.36 2.53

124 First National Bank Northwest Florida Panama City 106,798 11 361 -10 -1,227 0.33 2.44

125 Peoples State Bank Lake City 70,596 7 158 26 -915 0.23 2.41

126 Community State Bank Starke 61,801 6 182 -305 187 0.31 2.39

127 Helm Bank USA Miami 778,231 16 1,883 14,706 7,964 0.24 2.29

128 Floridian Community Bank, Inc. Davie 310,100 10 535 1,260 1,131 0.18 2.09

129 First Florida Integrity Bank Naples 875,976 12 1,550 12,151 -4,552 0.20 1.95

130 First America Bank Bradenton 265,835 9 547 -331 -1,952 0.21 1.83

131 Warrington Bank Pensacola 82,522 13 250 4 238 0.32 1.73

132 First Citrus Bank Tampa 234,351 7 402 546 687 0.18 1.72

133 Seaside National Bank & Trust Orlando 1,020,958 11 1,583 2,341 1,211 0.17 1.71

134 First Avenue National Bank Ocala 95,564 8 204 483 -184 0.21 1.57

135 Florida Bank Tampa 523,605 7 785 -7,118 -5,556 0.14 1.56

136 NorthStar Bank Tampa 208,254 9 281 819 1,662 0.14 1.38

137 CNLBank Orlando 1,275,394 8 1,448 727 -11,504 0.12 1.31

138 Century Bank of Florida Tampa 72,225 5 71 -485 -138 0.10 1.27

139 One South Bank Chipley 38,096 6 55 64 -162 0.16 1.00

140 International Finance Bank Miami 357,807 4 393 502 -3,901 0.11 0.92

141 Citizens Bank of Florida Oviedo 230,442 2 138 -519 77 0.06 0.73

142 Gulf Coast Community Bank Pensacola 150,124 0 23 -2,057 -5,523 0.01 0.71

143 Mackinac Savings Bank, FSB Boynton Beach 111,020 0 20 591 117 0.02 0.23

144 Intercontinental Bank West Miami 155,396 2 40 826 880 0.02 0.22

145 Sunshine Savings Bank Tallahassee 148,626 0 5 493 -907 0.00 0.02

146 Flagship Community Bank Clearwater 94,424 0 1 526 145 0.00 0.01

147 Encore Bank, National Association Naples 341,351 0 -11 1,092 -194 0.00 -0.03

148 American Enterprise Bank of Florida Jacksonville 201,460 -1 -55 -534 -1,930 -0.03 -0.32

149 Bank of the South Pensacola 75,757 -4 -82 50 111 -0.12 -0.57

150 Sunshine State Bank Plant City 311,779 -3 -187 -55 417 -0.09 -0.71

151 Home Federal Bank of Hollywood Hallandale Beach 48,181 -2 -34 -1,959 -3,693 -0.07 -1.05

152 First Bank of the Palm Beaches West Palm Beach 94,495 -5 -96 73 -267 -0.11 -1.18

153 Central Bank Tampa 80,224 -11 -231 385 916 -0.32 -2.13

154 Bank of Pensacola Pensacola 64,490 -26 -416 -122 -263 -0.71 -3.44

155 Pilot Bank Tampa 216,069 -14 -705 -1,277 -414 -0.35 -3.45

156 Highlands Independent Bank Sebring 251,430 -7 -482 -4,042 -3,055 -0.19 -3.67

157 Friends Bank New Smyrna Beach 99,076 -8 -231 -981 -5,569 -0.23 -4.55

158 U.S. Century Bank Doral 853,887 -10 -2,325 -3,230 -47,330 -0.26 -4.89

159 Gibraltar Private Bank & Trust Co. Coral Gables 1,571,582 -27 -7,246 11,939 -28,004 -0.45 -5.67

160 OptimumBank Plantation 128,168 -24 -429 -7,373 -1,649 -0.33 -6.35

Rank the Banks

Florida

30 of 36

Florida - ROAE

Ranking Company Name City

Total

Assets

($000)

LTM Net

Income ($000)/

Employee

LTM Net

Income

($000)

13Q2 LTM

Net Income

($000)

12Q2 LTM

Net Income

($000)

ROAA

(%)

ROAE

(%)

161 Surety Bank Deland 97,703 -27 -674 895 -387 -0.67 -6.51

162 First City Bank of Florida Fort Walton Beach 225,966 -8 -477 -518 203 -0.20 -8.56

163 Sabal Palm Bank Sarasota 103,471 -57 -1,194 -179 182 -1.25 -8.64

164 Beach Community Bank Fort Walton Beach 569,486 -24 -2,751 -7,028 -3,853 -0.48 -9.52

165 Columbia Bank Lake City 185,982 -35 -1,975 -7,044 -10,409 -1.05 -11.29

166 Atlantic Coast Bank Jacksonville 711,596 -47 -7,420 -5,654 -9,078 -1.03 -13.95

167 Bank of Commerce Sarasota 212,510 -19 -623 -338 -7,496 -0.28 -17.36

168 SouthBank, A Federal Savings Bank Palm Beach Gardens 22,747 -86 -345 -399 -205 -1.48 -22.06

169 ProBank Tallahassee 50,818 -75 -972 -1,632 -4,139 -1.67 -34.99

170 Regent Bank Davie 357,033 -139 -13,041 328 -6,294 -3.51 -41.98

171 Florida Capital Bank, N.A. Jacksonville 399,114 -63 -10,062 -6,328 -36,071 -2.29 -44.89

172 Independent Bankers' Bank of Florida Lake Mary 168,925 -130 -3,765 -6,097 -2,644 -1.91 -54.71

173 Lafayette State Bank Mayo 101,176 -140 -4,630 557 732 -4.70 -58.74

174 First National Bank of Crestview Crestview 83,202 -56 -1,566 -1,553 -3,723 -1.73 -60.63

175 Pinnacle Bank Orange City 167,648 -160 -3,836 -1,092 -5,145 -2.30 -112.36

Rank the Banks

Florida

31 of 36

Florida - Overall Ranking

Ranking SNLLabel SNLLabel

Total

Assets

($000)

Net Interest

Margin

Ranking

Noninterest

Income

Ranking

Total

Overhead

Ranking

Asset

Quality

Ranking

ROAE

Ranking

Overall

Ranking

1 USAmeriBank Clearwater 2,985,572 73 36 14 60 20 40.6

2 BankUnited, National Association Miami Lakes 16,858,264 3 73 42 66 22 41.2

3 Broward Bank of Commerce Fort Lauderdale 168,483 46 60 54 23 36 43.8

4 Biscayne Bank Coconut Grove 398,363 42 148 5 12 17 44.8

5 Summit Bank, National Association Panama City 295,003 21 22 110 21 61 47.0

6 1st Manatee Bank Parrish 105,684 16 15 151 39 24 49.0

7 First Florida Bank Destin 270,353 84 30 77 25 32 49.6

8 Old Florida Bank Orlando 833,294 29 118 51 22 41 52.2

9 C1 Bank Saint Petersburg 1,449,214 13 16 96 114 27 53.2

10 Ocean Bank Miami 3,273,128 70 52 64 48 37 54.2

11 Wauchula State Bank Wauchula 601,491 18 67 25 159 14 56.6

11 Mainstreet Community Bank of Florida Deland 249,322 39 83 69 71 21 56.6

11 Intracoastal Bank Palm Coast 228,602 103 142 9 16 13 56.6

14 First Green Bank Mount Dora 287,979 12 115 80 17 68 58.4

15 Paradise Bank Boca Raton 311,645 69 25 84 116 8 60.4

16 First Colony Bank of Florida Maitland 155,672 79 160 13 30 23 61.0

17 Capital Bank, National Association Coral Gables 6,625,503 13 67 63 77 86 61.2

18 Palm Beach Community Bank West Palm Beach 250,594 17 156 52 61 30 63.2

19 Sunrise Bank Cocoa Beach 111,076 48 166 30 35 39 63.6

20 Oculina Bank Fort Pierce 170,361 87 22 130 37 44 64.0

21 Florida Bank of Commerce Orlando 241,775 24 115 70 47 73 65.8

22 Executive National Bank Miami 340,192 72 56 114 10 78 66.0

22 Stonegate Bank Pompano Beach 1,657,571 84 103 33 34 76 66.0

24 Calusa Bank Punta Gorda 163,132 48 94 113 43 35 66.6

25 Bank of Tampa Tampa 1,319,479 125 80 35 56 38 66.8

25 Drummond Community Bank Chiefland 369,826 7 27 143 129 28 66.8

25 Hillsboro Bank Plant City 117,216 136 132 7 19 40 66.8

25 Bay Cities Bank Tampa 536,760 52 73 95 49 65 66.8

29 Gateway Bank of Florida Daytona Beach 254,918 166 42 6 9 113 67.2

30 Seacoast National Bank Stuart 2,291,658 131 28 104 65 9 67.4

30 FirstAtlantic Bank Jacksonville 388,853 7 121 76 79 54 67.4

32 Citizens Bank and Trust Lake Wales 453,558 46 28 132 98 34 67.6

33 American National Bank Oakland Park 255,071 79 121 22 41 76 67.8

33 Preferred Community Bank Fort Myers 88,414 36 99 94 5 105 67.8

35 Urban Trust Bank Lake Mary 617,161 65 34 86 58 98 68.2

35 Commerce National Bank & Trust Winter Park 80,180 81 5 172 14 69 68.2

35 Patriot Bank Trinity 125,423 20 129 81 11 100 68.2

38 Eastern National Bank Miami 379,830 106 62 101 64 11 68.8

Rank the Banks

Florida

32 of 36

Florida - Overall Ranking

Ranking SNLLabel SNLLabel

Total

Assets

($000)

Net Interest

Margin

Ranking

Noninterest

Income

Ranking

Total

Overhead

Ranking

Asset

Quality

Ranking

ROAE

Ranking

Overall

Ranking

39 Freedom Bank of America Saint Petersburg 111,156 27 139 82 92 6 69.2

40 First Bank Clewiston 269,360 27 33 141 59 89 69.8

41 BankFIRST Winter Park 685,283 22 77 47 90 115 70.2

42 BAC Florida Bank Coral Gables 1,492,512 154 49 16 87 50 71.2

43 Flagler Bank West Palm Beach 163,936 75 153 10 104 16 71.6

43 Prime Meridian Bank Tallahassee 206,195 93 118 40 15 92 71.6

45 Community Bank of Broward Dania Beach 487,470 40 107 83 70 59 71.8

45 Gateway Bank of Southwest Florida Sarasota 225,017 128 95 45 38 53 71.8

47 Charlotte State Bank & Trust Port Charlotte 276,609 101 17 85 139 19 72.2

48 Harbor Community Bank Indiantown 694,523 15 21 152 102 72 72.4

49 Raymond James Bank, National Association Saint Petersburg 12,141,114 146 157 1 46 18 73.6

50 Terrabank, N.A. Miami 277,635 98 64 123 13 71 73.8

51 First Federal Bank of Florida Lake City 1,036,084 50 13 160 86 62 74.2

52 Bank of Central Florida Lakeland 346,252 94 142 15 63 58 74.4

53 Sunstate Bank Miami 165,942 136 73 99 50 15 74.6

53 Reunion Bank of Florida Tavares 260,375 76 132 44 55 66 74.6

55 Grand Bank & Trust of Florida West Palm Beach 211,921 90 50 131 57 47 75.0

56 FineMark National Bank & Trust Fort Myers 767,526 157 22 78 26 93 75.2

57 Platinum Bank Brandon 462,473 59 170 43 45 60 75.4

58 Apollo Bank Miami 296,435 42 98 120 106 12 75.6

59 Coconut Grove Bank Miami 611,178 169 1 121 83 7 76.2

60 1st National Bank of South Florida Homestead 318,308 133 60 74 53 64 76.8

61 Marine Bank & Trust Company Vero Beach 151,301 78 103 75 125 4 77.0

62 Sanibel Captiva Community Bank Sanibel 254,623 31 165 46 99 45 77.2

62 First Avenue National Bank Ocala 95,564 24 55 144 29 134 77.2

64 Continental National Bank Miami 364,384 81 41 122 42 101 77.4

64 Florida Business Bank Melbourne 107,462 109 160 20 7 91 77.4

64 Professional Bank Coral Gables 246,128 112 152 53 28 42 77.4

67 TransCapital Bank Sunrise 166,642 84 137 23 115 29 77.6

68 Peoples Bank of Graceville Graceville 84,934 149 80 4 130 26 77.8

68 Floridian Bank Daytona Beach 388,046 6 88 140 154 1 77.8

70 Englewood Bank & Trust Englewood 210,702 103 45 41 169 33 78.2

70 GulfShore Bank Tampa 262,656 105 142 31 18 95 78.2

72 Cornerstone Community Bank Saint Petersburg 222,093 73 103 58 75 84 78.6

73 Citizens State Bank Perry 221,024 2 129 135 118 10 78.8

73 Banesco USA Coral Gables 864,076 26 45 158 44 121 78.8

75 First Home Bank Seminole 76,096 29 37 159 128 43 79.2

76 Marquis Bank Coral Gables 252,937 121 142 18 20 96 79.4

Rank the Banks

Florida

33 of 36

Florida - Overall Ranking

Ranking SNLLabel SNLLabel

Total

Assets

($000)

Net Interest

Margin

Ranking

Noninterest

Income

Ranking

Total

Overhead

Ranking

Asset

Quality

Ranking

ROAE

Ranking

Overall

Ranking

77 Community Bank and Trust of Florida Ocala 620,370 136 64 21 124 55 80.0

78 Merchants & Southern Bank Gainesville 416,765 120 95 27 136 25 80.6

78 Community Bank of the South Merritt Island 142,225 160 117 12 8 106 80.6

80 First National Bank of South Miami South Miami 558,413 159 87 17 33 108 80.8

81 First State Bank of Arcadia Arcadia 142,240 56 59 72 166 52 81.0

81 TCM Bank, National Association Tampa 176,084 1 2 175 171 56 81.0

83 First National Bank of Mount Dora Mount Dora 203,812 64 13 156 95 83 82.2

83 Community Bank of Florida, Inc. Homestead 487,709 59 37 125 123 67 82.2

83 Landmark Bank, National Association Fort Lauderdale 365,156 42 153 28 131 57 82.2

86 Brannen Bank Inverness 425,458 123 67 55 138 31 82.8

87 CenterState Bank of Florida, National Association Winter Haven 3,888,623 11 62 153 81 111 83.6

88 CBC National Bank Fernandina Beach 442,064 45 3 174 80 120 84.4

89 New Traditions Bank Orlando 518,173 151 150 3 51 70 85.0

90 Community Southern Bank Lakeland 244,829 121 128 38 36 103 85.2

91 1st United Bank Boca Raton 1,695,123 4 173 67 84 99 85.4

92 Heartland National Bank Sebring 309,186 124 147 24 54 79 85.6

93 Insignia Bank Sarasota 171,695 57 67 111 85 110 86.0

94 Gateway Bank of Central Florida Ocala 187,826 65 112 71 120 63 86.2

94 One South Bank Chipley 38,096 34 88 138 32 139 86.2

96 Edison National Bank Fort Myers 248,567 155 88 39 68 82 86.4

97 EverBank Jacksonville 19,749,765 114 10 149 109 51 86.6

98 Jefferson Bank of Florida Oldsmar 208,499 128 88 62 52 107 87.4

99 Warrington Bank Pensacola 82,522 163 95 26 24 131 87.8

100 United Southern Bank Umatilla 403,564 71 39 93 148 90 88.2

101 First Bank of the Palm Beaches West Palm Beach 94,495 67 118 105 2 152 88.8

102 Florida Community Bank, National Association Weston 5,568,445 94 164 29 73 88 89.6

103 HomeBanc National Association Lake Mary 856,283 165 12 106 91 81 91.0

104 FNBT.Com Bank Fort Walton Beach 375,680 150 9 142 110 48 91.8

105 Alarion Bank Ocala 282,804 116 18 139 100 87 92.0

106 Farmers & Merchants Bank Monticello 417,250 59 124 61 146 74 92.8

106 Helm Bank USA Miami 778,231 63 34 162 78 127 92.8

108 Citizens First Bank The Villages 1,627,945 162 123 2 133 46 93.2

109 Madison County Community Bank Madison 108,932 143 99 19 126 80 93.4

110 Gulf Coast Community Bank Pensacola 150,124 33 43 154 96 142 93.6

111 First State Bank of the Florida Keys Key West 792,873 152 86 32 150 49 93.8

111 Community State Bank Starke 61,801 35 19 168 121 126 93.8

111 Central Bank Tampa 80,224 50 107 155 4 153 93.8

114 Bank of Belle Glade Belle Glade 90,174 168 80 11 111 101 94.2

Rank the Banks

Florida

34 of 36

Florida - Overall Ranking

Ranking SNLLabel SNLLabel

Total

Assets

($000)

Net Interest

Margin

Ranking

Noninterest

Income

Ranking

Total

Overhead

Ranking

Asset

Quality

Ranking

ROAE

Ranking

Overall

Ranking

114 Florida Citizens Bank Gainesville 240,342 118 67 100 82 104 94.2

114 Peoples State Bank Lake City 70,596 31 110 129 76 125 94.2

117 Nature Coast Bank Hernando 57,976 41 132 79 105 116 94.6

118 Fidelity Bank of Florida, National Association Merritt Island 262,230 98 171 36 172 3 96.0

119 United Legacy Bank Longwood 233,522 90 129 57 89 117 96.4

120 Bank of the South Pensacola 75,757 167 112 34 31 149 98.6

121 Interamerican Bank, A FSB Miami 222,005 83 79 115 103 114 98.8

121 First Florida Integrity Bank Naples 875,976 118 124 56 67 129 98.8

123 Plus International Bank Miami 97,285 10 175 119 69 123 99.2

124 Sunshine Savings Bank Tallahassee 148,626 37 20 166 132 145 100.0

125 First America Bank Bradenton 265,835 114 76 65 117 130 100.4

126 Southern Commerce Bank, National Association Tampa 75,457 170 4 171 157 2 100.8

127 First Citrus Bank Tampa 234,351 19 153 92 112 132 101.6

128 Intercredit Bank, NA Miami 313,500 133 30 136 113 97 101.8

129 Encore Bank, National Association Naples 341,351 142 99 50 72 147 102.0

130 Anchor Commercial Bank Juno Beach 105,802 94 151 97 165 5 102.4

131 First National Bank of Wauchula Wauchula 78,482 22 83 146 142 121 102.8

132 First National Bank of Pasco Dade City 143,407 98 99 73 152 94 103.2

133 Seaside National Bank & Trust Orlando 1,020,958 140 93 60 93 133 103.8

134 Capital City Bank Tallahassee 2,549,198 106 11 161 137 109 104.8

135 Bank of Pensacola Pensacola 64,490 172 45 128 27 154 105.2

136 Bank of Coral Gables Coral Gables 98,865 156 142 117 1 112 105.6

136 FirstCity Bank of Commerce Palm Beach Gardens 60,959 54 52 150 153 119 105.6

138 Intercontinental Bank West Miami 155,396 173 30 8 174 144 105.8

139 Lafayette State Bank Mayo 101,176 5 50 134 173 173 107.0

140 OptimumBank Plantation 128,168 38 40 165 135 160 107.6

141 Peoples National Bank Niceville 115,522 67 167 98 122 85 107.8

141 Floridian Community Bank, Inc. Davie 310,100 109 103 59 140 128 107.8

143 Century Bank of Florida Tampa 72,225 116 78 109 101 138 108.4

143 Legacy Bank of Florida Boca Raton 254,336 111 157 66 134 74 108.4

145 Florida Bank Tampa 523,605 89 162 88 74 135 109.6

146 Pilot Bank Tampa 216,069 94 66 148 88 155 110.2

147 Independent Bankers' Bank of Florida Lake Mary 168,925 174 7 170 40 172 112.6

148 Gibraltar Private Bank & Trust Co. Coral Gables 1,571,582 139 137 124 6 159 113.0

149 CNLBank Orlando 1,275,394 127 162 37 108 137 114.2

150 Jacksonville Bank Jacksonville 493,725 57 139 102 156 118 114.4

151 Mackinac Savings Bank, FSB Boynton Beach 111,020 170 6 163 94 143 115.2

152 Regent Bank Davie 357,033 54 45 145 163 170 115.4

Rank the Banks

Florida

35 of 36

Florida - Overall Ranking

Ranking SNLLabel SNLLabel

Total

Assets

($000)

Net Interest

Margin

Ranking

Noninterest

Income

Ranking

Total

Overhead

Ranking

Asset

Quality

Ranking

ROAE

Ranking

Overall

Ranking

153 Citizens Bank of Florida Oviedo 230,442 88 132 90 127 141 115.6

154 Flagship Community Bank Clearwater 94,424 52 124 118 141 146 116.2

155 Surety Bank Deland 97,703 59 58 137 175 161 118.0

156 Highlands Independent Bank Sebring 251,430 125 67 107 144 156 119.8

157 Bank of Commerce Sarasota 212,510 144 56 126 107 167 120.0

158 First City Bank of Florida Fort Walton Beach 225,966 145 44 108 143 162 120.4

159 First National Bank Northwest Florida Panama City 106,798 132 132 68 147 124 120.6

160 Sunshine State Bank Plant City 311,779 133 85 91 145 150 120.8

161 SouthBank, A Federal Savings Bank Palm Beach Gardens 22,747 175 112 89 62 168 121.2

161 Friends Bank New Smyrna Beach 99,076 130 110 112 97 157 121.2

163 International Finance Bank Miami 357,807 76 109 116 167 140 121.6

164 Beach Community Bank Fort Walton Beach 569,486 160 25 103 160 164 122.4

165 Home Federal Bank of Hollywood Hallandale Beach 48,181 9 172 169 119 151 124.0

166 U.S. Century Bank Doral 853,887 101 52 157 161 158 125.8

167 NorthStar Bank Tampa 208,254 141 157 49 151 136 126.8

168 American Enterprise Bank of Florida Jacksonville 201,460 112 139 87 149 148 127.0

169 First National Bank of Crestview Crestview 83,202 148 174 147 3 174 129.2

170 Florida Capital Bank, N.A. Jacksonville 399,114 153 8 173 158 171 132.6

171 Atlantic Coast Bank Jacksonville 711,596 164 124 48 168 166 134.0

172 Columbia Bank Lake City 185,982 147 88 127 162 165 137.8

173 Sabal Palm Bank Sarasota 103,471 92 148 133 155 163 138.2

174 ProBank Tallahassee 50,818 106 169 167 170 169 156.2

175 Pinnacle Bank Orange City 167,648 158 167 164 164 175 165.6

Rank the Banks

Florida

36 of 36