Winter Park National Bank
Winter Park, Florida · FDIC Cert #59105
Winter Park National Bank is an FDIC-insured bank (Certificate #59105) with $794M in total assets and $694M in total deposits as of the Q2 2024 Call Report. Headquartered in Winter Park, Florida, the bank maintains a Tier 1 capital ratio of 10.64% (Well-Capitalized) and a nonperforming loan ratio of 0.60%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Winter Park National Bank (FDIC cert 59105) is a community bank — $794M in total assets, $694M in deposits, serving the Winter Park, 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 adequate: Tier 1 capital ratio of 10.64% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.60% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 41.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.96% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Winter Park National Bank carries a composite BankHealth grade of A (80/100) 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: Winter Park National Bank
- Total Assets
- $794M
- Total Deposits
- $694M
- Tier 1 Capital Ratio
- 10.64%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.60%
- Liquidity Ratio
- 41.30%
- Return on Assets
- 0.96%
- Headquarters
- Winter Park, Florida
- FDIC Certificate
- #59105
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Winter Park National Bank holds a Tier 1 capital ratio of 10.64%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Winter Park National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Winter Park National Bank shows strong financial health indicators. With $794M in assets and a Health Score of 80/100, 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 Winter Park National Bank Compares
Winter Park National Bank’s Health Score of 80 is 6 points above the Florida state average of 74 across 83 FDIC-insured banks. Its 10.64% Tier 1 capital ratio is 3.4 points below the US banking industry average near 14%. The 0.60% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.96% is below the national ROA benchmark of ~1.1%. Among 1161 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Winter Park National Bank is 10 points above the portfolio average of 70.
Frequently Asked Questions
Winter Park National Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 10.64%, 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. Winter Park National Bank's Tier 1 capital ratio of 10.64% and nonperforming loan ratio of 0.60% 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 Winter Park National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #59105). 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.
Winter Park National Bank holds $794M in total assets and $694M in total deposits. It is headquartered in Winter Park, Florida (FDIC Certificate #59105).
Winter Park National Bank has a Tier 1 capital ratio of 10.64%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.60%, and the return on assets is 0.96%.
Yes. Winter Park National Bank is FDIC-insured (Certificate #59105). 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%).
Winter Park National Bank'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.