First Colony Bank of Florida Safety Rating
First Colony Bank of Florida's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #738 out of 3,960 FDIC-insured banks nationally (top 19%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Colony Bank of Florida's best component is loan quality (100/100) and its weakest is Tier 1 capital (78/100).
This page answers a common banking-safety question: First Colony Bank of Florida Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Colony Bank of Florida Safety Rating Breakdown
- Overall rating
- Grade A (90/100)
- National rank
- #738 of 3,960
- Tier 1 capital (35%)
- 78/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 82/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places First Colony Bank of Florida among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 19% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.10% | 78/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 38.29% | 100/100 |
| Return on Assets | 1.54% | 82/100 |
| Total Assets | $0.3B | |
How does First Colony Bank of Florida compare?
With a Bank Health Score of 90/100, First Colony Bank of Florida sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Florida, where 83 FDIC-insured banks are headquartered, First Colony Bank of Florida ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 12.10% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Colony Bank of Florida's Bank Health Score fell by 4.0 points to 90/100. Tier 1 capital weakened by 1.09 percentage points to 12.10%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
First Colony Bank of Florida's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #738 out of 3,960 FDIC-insured banks nationally (top 19%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Colony Bank of Florida's best component is loan quality (100/100) and its weakest is Tier 1 capital (78/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For First Colony Bank of Florida: Tier 1 capital scores 78/100, loan quality 100/100, liquidity 100/100, and profitability 82/100 — combining to 90/100 (grade A).
First Colony Bank of Florida's Bank Health Score of 90/100 is 16.0 points above the Florida state average of 74/100. 83 FDIC-insured banks are headquartered in Florida.
Yes. First Colony Bank of Florida (FDIC certificate #58644) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Colony Bank of Florida
First Colony Bank of Florida's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #738 out of 3,960 FDIC-insured banks nationally (top 19%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Colony Bank of Florida's best component is loan quality (100/100) and its weakest is Tier 1 capital (78/100).