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Surety Bank
Deland, FL · FDIC Certificate #33026 · Chartered 01/0
Total assets
$213.68M
Total deposits
$189.58M
Total equity
$23.83M
Net loans
$101.34M
Branches (offices)
2
Net income (YTD)
$2.16M
Rank: #2,892 of 4,213 U.S. banks by assets · #66 of 81 in Florida. Assets changed 0.5% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.06% |
| Return on equity | 18.97% |
| Net interest margin (YTD) | 3.60% |
| Equity to assets | 11.15% |
| Tier 1 leverage ratio | 13.24% |
| Uninsured deposits (share of deposits) | 28.6% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 53.5% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $90.73M | 89.5% | |
| Commercial & industrial | $12.30M | 12.1% | |
| Consumer / individual | $203.00K | 0.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $215.83M | $200.51M | $2.98M | $14.95M |
| Jun 2023 | $206.91M | $176.10M | $3.07M | $17.07M |
| Jun 2024 | $205.98M | $186.49M | $2.88M | $19.20M |
| Jun 2025 | $212.51M | $193.04M | $2.26M | $19.32M |
| Jun 2026 | $213.68M | $189.58M | $2.16M | $23.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $189.58M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $189.58M.
Similar-sized banks
Tricentury Bank ($213.79M) · The Farmers And Merchants Bank ($213.42M)
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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