The Bank of Tampa
Tampa, FL·RSSD 273336·FDIC 21031·bank:273336·Risk-based ratios where reported
- #15 of 85Total assets in Florida
- 13offices
- 295employees
- Top 9%Cost of deposits vs. peers
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 The Bank of Tampa
3 of 24 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Unrealized securities position improving faster than peersStrength: Capital 2nd quarter-27.0%peers -6.9%-20.2 pp
The Bank of Tampa's unrealized securities gain or loss relative to Tier 1 capital rose 11.6 percentage points over the past year to -27.0%. Among 264 similar banks, the median rose 2.0 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -27.0% | -6.9% | -20.2 pp |
| 12-month change | ||
| +11.6 pp | +2.0 pp | +9.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Tampa 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: Liquidity76.7%+7.8 pp in 12 months
The Bank of Tampa's loans rose to 76.7% of deposits, 7.8 percentage points higher than a year earlier, while cash fell to 1.8% of assets. The median change in the loan-to-deposit ratio among 268 similar banks was +0.4 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 76.7% | +7.8 pp in 12 months |
| Cash / assets | |
| 1.8% | -2.8 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: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Tampa itself is left out of every peer median and percentile. How signals work
Deposit costs rising while the peer median fallsWorth a look: Funding1.12%peers 2.00%-87 bps
The Bank of Tampa's cost of all deposits rose 4 bps over the past year to 1.12%. Among 262 similar banks, the median fell 24 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.12% | 2.00% | -87 bps |
| 12-month change | ||
| +4 bps | -24 bps | +28 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: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Tampa itself is left out of every peer median and percentile. How signals work
Key facts
- The Bank of Tampa is a bank headquartered in Tampa, Florida. It reported $3.0 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $2.7 billion, down 0.6% from a year earlier, and loans totaled $2.1 billion, up 10.6%.
- Its net interest margin was 3.66% and its annualized return on assets was 1.27% for the quarter.
- Its cost of all deposits was 1.12%, compared with a median of 2.00% among 263 similar banks with $3 billion to $10 billion 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 The Bank of Tampa's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- The Bank of Tampa · Bank
- Federal Reserve RSSD
- 273336
- FDIC certificate
- 21031
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Tampa 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 |
|---|---|---|
| $9.63M | — | |
| $33.75M | — | |
| $7.71M | — | |
| $26.03M | — | |
| $5.06M | — | |
| $17.98M | — | |
| $750K | — | |
| $750K | — | |
| 1.27% | 1.26%ROAQ · Quarter | |
| 3.66% | 3.65%NIMYQ · Quarter | |
| 57.81% | 57.81%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.