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Florida Capital Bank, National Association
Jacksonville, FL · FDIC Certificate #26323 · Chartered 08/1
Total assets
$713.14M
Total deposits
$639.83M
Total equity
$69.96M
Net loans
$534.46M
Branches (offices)
5
Net income (YTD)
$3.38M
Rank: #1,361 of 4,213 U.S. banks by assets · #40 of 81 in Florida. Assets changed 8.8% and deposits 9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 9.86% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 9.81% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 67.2% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 88.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $470.93M | 88.1% | |
| Commercial & industrial | $29.43M | 5.5% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $16.84M | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $521.75M | $377.38M | $2.11M | $64.07M |
| Jun 2023 | $522.06M | $367.42M | $1.20M | $54.88M |
| Jun 2024 | $555.65M | $441.94M | $2.54M | $58.61M |
| Jun 2025 | $655.18M | $585.89M | $4.02M | $64.30M |
| Jun 2026 | $713.14M | $639.83M | $3.38M | $69.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $639.83M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $639.83M.
Similar-sized banks
First & Farmers National Bank, Inc. ($714.15M) · Grand Bank ($712.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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