Updated April 2026 · FDIC Call Report Q2 2024
A-Rated Banks in Florida
34 banks · Average score: 91/100 · Combined assets $114.8B
34 banks in this state currently hold A grades, averaging a composite score of 91/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 18.63% and an NPL ratio of 0.27%, sourced from the most recent FDIC quarterly Call Report.
34 Florida banks earn an A grade on the BankHealth composite, with an average score of 91/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.
State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Florida A-grade banks by health score with links to each bank's full profile.
What "A" Means in Practice
A-graded banks in Florida are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 34 banks chartered in Florida qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.
For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.
Tier-Wide Snapshot in Florida
| Banks in this grade tier | 34 |
| Combined assets | $114.8B |
| Average composite score | 91/100 |
| Average Tier 1 capital ratio | 18.63% |
| Average NPL ratio | 0.27% |
All A-Graded Banks in Florida
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Fnbt Bank | Fort Walton Beac | 100 | $597M | 24.62% | 0.01% | 54.46% |
| 2 | First Nb Northwest Florida | Panama City | 100 | $176M | 51.49% | 0.00% | 65.88% |
| 3 | Heartland National Bank | Sebring | 99 | $713M | 26.41% | 0.22% | 75.77% |
| 4 | Edison National Bank | Fort Myers | 98 | $426M | 24.80% | 0.00% | 60.55% |
| 5 | Brannen Bank | Inverness | 98 | $909M | 15.62% | 0.39% | 51.29% |
| 6 | Surety Bank | Deland | 97 | $206M | 25.62% | 0.46% | 58.40% |
| 7 | Banco Do Brasil Americas | Miami | 96 | $2.8B | 24.16% | 0.74% | 48.24% |
| 8 | Community Bank of the South | Merritt Island | 96 | $253M | 21.69% | 0.00% | 67.96% |
| 9 | Peoples Bank of Graceville | Graceville | 95 | $118M | 29.43% | 0.01% | 64.80% |
| 10 | Pacific National Bank | Miami | 95 | $1.2B | 16.25% | 0.02% | 27.22% |
| 11 | Capital City Bank | Tallahassee | 95 | $4.2B | 14.51% | 0.20% | 29.24% |
| 12 | United Southern Bank | Umatilla | 94 | $866M | 16.15% | 0.46% | 49.80% |
| 13 | First Stb of the Fl Keys | Key West | 93 | $1.2B | 16.95% | 0.23% | 31.05% |
| 14 | Bank of Tampa | Tampa | 93 | $2.9B | 14.22% | 0.28% | 36.68% |
| 15 | Bank of Pensacola | Pensacola | 93 | $147M | 21.07% | 0.00% | 52.20% |
| 16 | Madison Cnty Cmty Bank | Madison | 92 | $183M | 15.44% | 0.42% | 47.19% |
| 17 | Finemark National Bank&Trust | Fort Myers | 92 | $4.1B | 17.26% | 0.04% | 32.02% |
| 18 | Grove Bank&Trust | Miami | 92 | $1.2B | 17.17% | 0.00% | 45.99% |
| 19 | Helm Bank USA | Miami | 91 | $1.0B | 29.08% | 0.95% | 42.92% |
| 20 | First Colony Bank of Florida | Maitland | 90 | $310M | 12.10% | 0.00% | 38.29% |
| 21 | Evermore Bank | Fort Lauderdale | 90 | $168M | 23.60% | 0.00% | 36.94% |
| 22 | Marine Bank&Trust Co | Vero Beach | 89 | $640M | 13.93% | 0.03% | 27.62% |
| 23 | Sunstate Bank | Miami | 89 | $550M | 13.45% | 0.04% | 27.87% |
| 24 | Century Bank of Florida | Tampa | 87 | $107M | 14.60% | 0.51% | 26.63% |
| 25 | Raymond James Bank | Saint Petersburg | 86 | $40.8B | 14.18% | 0.39% | 21.20% |
| 26 | Paradise Bank | Boca Raton | 86 | $381M | 12.40% | 0.00% | 22.90% |
| 27 | Bank of Central Florida | Lakeland | 86 | $1.1B | 11.55% | 0.02% | 27.06% |
| 28 | City Nb of Florida | Miami | 85 | $26.2B | 14.01% | 0.67% | 27.16% |
| 29 | Lafayette State Bank | Mayo | 83 | $224M | 12.05% | 1.01% | 30.39% |
| 30 | Bradesco Bank | Coral Gables | 83 | $4.4B | 18.30% | 0.17% | 18.35% |
| 31 | Seacoast National Bank | Stuart | 82 | $14.9B | 14.08% | 0.63% | 22.54% |
| 32 | Intercredit Bank NA | Coral Gables | 81 | $603M | 14.71% | 0.79% | 26.96% |
| 33 | Commerce Bank&Trust | Winter Park | 81 | $173M | 11.79% | 0.00% | 25.53% |
| 34 | Winter Park National Bank | Winter Park | 80 | $794M | 10.64% | 0.60% | 41.30% |
For Depositors at A-Graded Banks
FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.
For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.
How These Grades Are Calculated
Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
What does a A grade mean for a bank?
A-graded banks in Florida are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 34 banks chartered in Florida qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.
How many A-graded banks are in Florida?
34 banks in this state currently hold A grades, averaging a composite score of 91/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown.
What does this tier look like financially?
Across 34 A-graded banks in Florida, the average Tier 1 capital ratio is 18.63% and the average nonperforming-loan ratio is 0.27%. Combined assets in this cohort total $114.8B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at A-graded banks still FDIC-insured?
For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.
Where does this data come from?
Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · 34 A-graded banks in Florida. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.