Surety Bank
Deland, FL·RSSD 374774·FDIC 33026·bank:374774·Risk-based ratios where reported
- #67 of 85Total assets in Florida
- 2offices
- 37employees
- Top 3%Fee income vs. peers
- #4 of 76Return on assets in Florida
- Top 8%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Surety Bank
8 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.77%peers 1.68%+8 bps
Surety Bank's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share and more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.77% | 1.68% | +8 bps |
| Share of deposits that pay no interest | ||
| 35.2% | 21.6% | +13.6 pp |
| Time deposits' share of deposits | ||
| 17.6% | 33.2% | -15.6 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Surety Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter3.35%peers 0.36%+299 bps
Surety Bank's noninterest income relative to average assets was 3.35%, compared with a median of 0.36% among 1223 similar banks: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 3.35% | 0.36% | +299 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Surety Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter54.1%+9.9 pp in 12 months
Surety Bank's loans rose to 54.1% of deposits, 9.9 percentage points higher than a year earlier, while cash fell to 32.9% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 54.1% | +9.9 pp in 12 months |
| Cash / assets | |
| 32.9% | -8.3 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Surety Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+20.1%peers +5.3%+14.7 pp
Surety Bank's loans grew 20.1% over the past year to $103 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +20.1% | +5.3% | +14.7 pp |
| Loans | ||
| $103 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Surety Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Deposits migrating from operating accounts to CDsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposit costs rising while the peer median fallsFunding
- Reliance on CDs rising while the peer median holds steadyFunding
Key facts
- Surety Bank is a bank headquartered in Deland, Florida. It reported $214 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $190 million, down 1.8% from a year earlier, and loans totaled $103 million, up 20.1%.
- Its net interest margin was 3.56% and its annualized return on assets was 2.37% for the quarter.
- Its cost of all deposits was 1.77%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Surety Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Surety Bank · Bank
- Federal Reserve RSSD
- 374774
- FDIC certificate
- 33026
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Surety Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.29M | — | |
| $2.26M | — | |
| $864K | — | |
| $1.4M | — | |
| $1.82M | — | |
| $1.8M | — | |
| $130K | — | |
| $130K | — | |
| 2.37% | 2.37%ROAQ · Quarter | |
| 3.56% | 3.55%NIMYQ · Quarter | |
| 55.86% | 55.86%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.