Florida Capital Bank NA (FDIC #26323): Bank Stress & Real-Estate Credit Exposure
Florida Capital Bank NA (FDIC Cert #26323): bank stress 72/100, elevated, STABLE over 7 days; parent FLORIDA CAPITAL GROUP INC.
Florida Capital Bank NA (#26323) lends in 4 counties across 1 state; Florida Capital Bank NA (#26323) reaches 169 ZIP codes: Florida 4 counties, 169 ZIPs.
Florida Capital Bank NA (#26323) largest markets: Hillsborough County, FL (58 branches, 58 ZIPs) (#26323), Orange County, FL (49 branches, 49 ZIPs) (#26323), Duval County, FL (76 branches, 38 ZIPs) (#26323), Alachua County, FL (24 branches, 24 ZIPs) (#26323).
Florida Capital Bank NA (#26323) reports $713.1 million in total assets; Florida Capital Bank NA (#26323) equity $70.0 million (9.8% of Florida Capital Bank NA (#26323) assets); Florida Capital Bank NA (#26323) domestic deposits $639.8 million; Florida Capital Bank NA (#26323) net income $3.4 million; Florida Capital Bank NA (#26323) return on assets 0.98%; Florida Capital Bank NA (#26323) return on equity 9.86%; Florida Capital Bank NA (#26323) net interest income $14.1 million; Florida Capital Bank NA (#26323) call report June 30, 2026.
Florida Capital Bank NA (#26323) noncurrent real-estate loans: none reported; Florida Capital Bank NA (#26323) net charge-offs on real estate 0.17%; Florida Capital Bank NA (#26323) residential charge-offs 0.26%.
Florida Capital Bank NA (#26323) net interest margin 4.22% against an eight-quarter Florida Capital Bank NA (#26323) average of 4.05% (Florida Capital Bank NA (#26323) compression -0.17 points); Florida Capital Bank NA (#26323) non-residential real estate 26.2% of equity; Florida Capital Bank NA (#26323) rate-exposure score 40/100, Florida Capital Bank NA (#26323) fixed-rate trap 40/100; Florida Capital Bank NA (#26323) risk type credit driven; Florida Capital Bank NA (#26323) rate regime rates elevated, Florida Capital Bank NA (#26323) snapshot October 20, 2026.
Florida Capital Bank NA (#26323) stress score moved from 67.5 on June 22, 2026 to 71.7 on October 20, 2026; Florida Capital Bank NA (#26323) ranged 67.5 to 71.7 over 117 snapshots.
Florida Capital Bank NA (#26323) alerts: 4 counties; top Florida Capital Bank NA (#26323) alert scores: Gainesville County, FL 23 (low); Jacksonville County, FL 23 (low); Orlando County, FL 23 (low); Tampa County, FL 23 (low).