Safest Banks in Florida 2026
Florida has 83 FDIC-insured banks with an average Bank Health Score of 74/100 (B). The safest bank is Fnbt Bank with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 83 Banks in Florida
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Fnbt Bank | Fort Walton Beac | A | 100 | 24.62% | 0.01% |
| 2 | First Nb Northwest Florida | Panama City | A | 100 | 51.49% | 0.00% |
| 3 | Heartland National Bank | Sebring | A | 99 | 26.41% | 0.22% |
| 4 | Edison National Bank | Fort Myers | A | 98 | 24.80% | 0.00% |
| 5 | Brannen Bank | Inverness | A | 98 | 15.62% | 0.39% |
| 6 | Surety Bank | Deland | A | 97 | 25.62% | 0.46% |
| 7 | Banco Do Brasil Americas | Miami | A | 96 | 24.16% | 0.74% |
| 8 | Community Bank of the South | Merritt Island | A | 96 | 21.69% | 0.00% |
| 9 | Peoples Bank of Graceville | Graceville | A | 95 | 29.43% | 0.01% |
| 10 | Pacific National Bank | Miami | A | 95 | 16.25% | 0.02% |
| 11 | Capital City Bank | Tallahassee | A | 95 | 14.51% | 0.20% |
| 12 | United Southern Bank | Umatilla | A | 94 | 16.15% | 0.46% |
| 13 | First Stb of the Fl Keys | Key West | A | 93 | 16.95% | 0.23% |
| 14 | Bank of Tampa | Tampa | A | 93 | 14.22% | 0.28% |
| 15 | Bank of Pensacola | Pensacola | A | 93 | 21.07% | 0.00% |
| 16 | Madison Cnty Cmty Bank | Madison | A | 92 | 15.44% | 0.42% |
| 17 | Finemark National Bank&Trust | Fort Myers | A | 92 | 17.26% | 0.04% |
| 18 | Grove Bank&Trust | Miami | A | 92 | 17.17% | 0.00% |
| 19 | Helm Bank USA | Miami | A | 91 | 29.08% | 0.95% |
| 20 | First Colony Bank of Florida | Maitland | A | 90 | 12.10% | 0.00% |
Bank Health Scores for Florida are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Fnbt Bank in Fort Walton Beac is currently the safest bank in Florida with a score of 100/100 (Grade A).
Florida has 83 FDIC-insured banks with a combined $286.0B in total assets. The average Bank Health Score across the state is 74/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).