Marine Bank&Trust Co
Vero Beach, Florida · FDIC Cert #34233
This is the FDIC profile for Marine Bank&Trust Co, an FDIC-insured bank (Certificate #34233) with $640M in total assets and $568M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Vero Beach, Florida, the bank maintains a Tier 1 capital ratio of 13.93% (Well-Capitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of A (89/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Marine Bank&Trust Co (FDIC cert 34233) is a community bank — $640M in total assets, $568M in deposits, serving the Vero Beach, Florida area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.93% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 27.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.69% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Marine Bank&Trust Co carries a composite BankHealth grade of A (89/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Marine Bank&Trust Co
- Total Assets
- $640M
- Total Deposits
- $568M
- Tier 1 Capital Ratio
- 13.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 27.62%
- Return on Assets
- 0.69%
- Headquarters
- Vero Beach, Florida
- FDIC Certificate
- #34233
- Health Grade
- A (89/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Marine Bank&Trust Co files quarterly Call Reports with the FDIC under Certificate #34233. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Marine Bank&Trust Co holds a Tier 1 capital ratio of 13.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Marine Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Marine Bank&Trust Co shows strong financial health indicators. With $640M in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Marine Bank&Trust Co Compares
Marine Bank&Trust Co’s Health Score of 89 is 7 points above the Florida state average of 82 across 83 FDIC-insured banks. Its 13.93% Tier 1 capital ratio is 0.1 points below the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.69% is below the national ROA benchmark of ~1.1%. Among 1308 similarly-sized banks, the average Health Score is 79, meaning this bank ranks above its size cohort. Site-wide, Marine Bank&Trust Co is 9 points above the portfolio average of 80.
Frequently Asked Questions
Marine Bank&Trust Co has a Bank Health Score of A (89/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Marine Bank&Trust Co's Tier 1 capital ratio of 13.93% and nonperforming loan ratio of 0.03% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Marine Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34233). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Marine Bank&Trust Co holds $640M in total assets and $568M in total deposits. It is headquartered in Vero Beach, Florida (FDIC Certificate #34233).
Marine Bank&Trust Co's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #34233 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Marine Bank&Trust Co has a Tier 1 capital ratio of 13.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is 0.69%.
Yes. Marine Bank&Trust Co is FDIC-insured (Certificate #34233). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Marine Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.