Updated April 2026 · FDIC Call Report Q2 2024
D-Rated Banks in Florida
10 banks · Average score: 46/100 · Combined assets $9.7B
10 banks in this state currently hold D grades, averaging a composite score of 46/100. 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 2.01% and an NPL ratio of 1.32%, sourced from the most recent FDIC quarterly Call Report.
10 Florida banks hold a D grade, averaging 46/100. D-grade banks face elevated pressure on at least one of the four scoring factors (capital, asset quality, liquidity, profitability).
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 D-grade banks by health score with links to each bank's full profile.
What "D" Means in Practice
D-graded banks in Florida are showing meaningful stress — composite scores of 35–49 — typically across multiple factors. Currently 10 banks land here. Common patterns include thin Tier 1 capital, NPL ratios well above 2%, weak liquidity, or sustained losses on operations. D grades warrant careful individual review; depositors with balances at any of these institutions should confirm FDIC insurance limits and consider how account titling affects coverage.
For depositors: D-graded institutions warrant careful attention. FDIC insurance protects deposits up to $250,000 per depositor, per insured bank, per ownership category — verify your specific coverage at FDIC.gov. For balances above the limit, consider how account titling (joint, individual, retirement) affects coverage; the FDIC's EDIE tool calculates exactly what is insured.
Tier-Wide Snapshot in Florida
| Banks in this grade tier | 10 |
| Combined assets | $9.7B |
| Average composite score | 46/100 |
| Average Tier 1 capital ratio | 2.01% |
| Average NPL ratio | 1.32% |
All D-Graded Banks in Florida
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Pnb Community Bank | Niceville | 49 | $157M | 0.00% | 1.28% | 24.20% |
| 2 | Mainstreet Cmty Bank of Fl | Deland | 49 | $807M | 0.00% | 1.17% | 26.21% |
| 3 | Sunrise Bank | Orlando | 48 | $530M | 0.00% | 0.00% | 17.03% |
| 4 | Locality Bank | Fort Lauderdale | 48 | $233M | 0.00% | 0.80% | 27.52% |
| 5 | Gulf Coast Business Bank | Fort Myers | 48 | $92M | 0.00% | 0.00% | 22.89% |
| 6 | First Nb of Wauchula | Wauchula | 47 | $91M | 0.00% | 0.61% | 21.39% |
| 7 | Emigrant Bank | Miami | 47 | $6.3B | 20.08% | 4.99% | 12.29% |
| 8 | Dlp Bank | Starke | 40 | $271M | 0.00% | 3.67% | 52.78% |
| 9 | Optimumbank | Fort Lauderdale | 40 | $899M | 0.00% | 0.37% | 6.83% |
| 10 | Anchor Bank | Palm Beach Garde | 40 | $358M | 0.00% | 0.36% | 12.71% |
For Depositors at D-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 D grade mean for a bank?
D-graded banks in Florida are showing meaningful stress — composite scores of 35–49 — typically across multiple factors. Currently 10 banks land here. Common patterns include thin Tier 1 capital, NPL ratios well above 2%, weak liquidity, or sustained losses on operations. D grades warrant careful individual review; depositors with balances at any of these institutions should confirm FDIC insurance limits and consider how account titling affects coverage.
How many D-graded banks are in Florida?
10 banks in this state currently hold D grades, averaging a composite score of 46/100. 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 10 D-graded banks in Florida, the average Tier 1 capital ratio is 2.01% and the average nonperforming-loan ratio is 1.32%. Combined assets in this cohort total $9.7B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at D-graded banks still FDIC-insured?
For depositors: D-graded institutions warrant careful attention. FDIC insurance protects deposits up to $250,000 per depositor, per insured bank, per ownership category — verify your specific coverage at FDIC.gov. For balances above the limit, consider how account titling (joint, individual, retirement) affects coverage; the FDIC's EDIE tool calculates exactly what is insured.
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 · 10 D-graded banks in Florida. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.