RANKING ·
Highest net interest margin in Florida
76 of 85 banks in Florida that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | Tcm Bank N.A. | Tampa, FL | 5.89% | $382 million |
| 2 | Sanibel Captiva Community Bank | Sanibel, FL | 5.27% | $976 million |
| 3 | Lafayette State Bank | Mayo, FL | 5.17% | $252 million |
| 4 | Paradise Bank | Boca Raton, FL | 5.09% | $415 million |
| 5 | Cogent Bank | Orlando, FL | 4.93% | $2.5 billion |
| 6 | Pnb Community Bank | Niceville, FL | 4.87% | $155 million |
| 7 | Dlp Bank | Starke, FL | 4.67% | $301 million |
| 8 | Newtek Bank N.A. | Miami, FL | 4.60% | $2.5 billion |
| 9 | Century Bank of Florida | Tampa, FL | 4.53% | $101 million |
| 10 | Desjardins Bank N.A. | Hallandale, FL | 4.51% | $362 million |
| 11 | Optimumbank | Fort Lauderdale, FL | 4.47% | $1.4 billion |
| 12 | First Bank | Clewiston, FL | 4.41% | $811 million |
| 13 | Capital City Bank | Tallahassee, FL | 4.38% | $4.4 billion |
| 14 | Axiom Bank N.A. | Maitland, FL | 4.37% | $732 million |
| 15 | Natbank N.A. | Hollywood, FL | 4.32% | $297 million |
| 16 | Emigrant Bank | Miami, FL | 4.27% | $5.7 billion |
| 17 | Gulf Atlantic Bank | Key West, FL | 4.22% | $253 million |
| 18 | Helm Bank USA | Miami, FL | 4.16% | $1.2 billion |
| 19 | Bankflorida | Dade City, FL | 4.15% | $460 million |
| 20 | Gulf Coast Business Bank | Fort Myers, FL | 4.07% | $187 million |
| 21 | Gulfside Bank | Sarasota, FL | 3.99% | $345 million |
| 22 | United Southern Bank | Umatilla, FL | 3.99% | $843 million |
| 23 | Locality Bank | Fort Lauderdale, FL | 3.98% | $396 million |
| 24 | First Colony Bank of Florida | Maitland, FL | 3.98% | $291 million |
| 25 | Madison County Community Bank | Madison, FL | 3.96% | $212 million |
| 26 | Florida Capital Bank N.A. | Jacksonville, FL | 3.95% | $713 million |
| 27 | Climate First Bank | Saint Petersburg, FL | 3.94% | $1.9 billion |
| 28 | Mainstreet Community Bank of Florida | Deland, FL | 3.91% | $953 million |
| 29 | Southstate Bank N.A. | Winter Haven, FL | 3.89% | $68.8 billion |
| 30 | Intracoastal Bank | Palm Coast, FL | 3.87% | $573 million |
| 31 | Seacoast National Bank | Stuart, FL | 3.86% | $21.3 billion |
| 32 | Banco Do Brasil Americas | Miami, FL | 3.82% | $3.5 billion |
| 33 | Crews Bank & Trust | Wauchula, FL | 3.81% | $2.3 billion |
| 34 | Cypress Bank & Trust | Melbourne, FL | 3.77% | $257 million |
| 35 | First National Bank of Pasco | Dade City, FL | 3.72% | $280 million |
| 36 | Terrabank N.A. | Coral Gables, FL | 3.71% | $898 million |
| 37 | Bank of Central Florida | Lakeland, FL | 3.70% | $1.2 billion |
| 38 | Bayfirst National Bank | Saint Petersburg, FL | 3.69% | $1.1 billion |
| 39 | The Bank of Tampa | Tampa, FL | 3.66% | $3.0 billion |
| 40 | Sunstate Bank | Miami, FL | 3.64% | $580 million |
| 41 | Brannen Bank | Inverness, FL | 3.63% | $1.0 billion |
| 42 | U.S. Century Bank | Doral, FL | 3.62% | $3.0 billion |
| 43 | Evermore Bank | Fort Lauderdale, FL | 3.61% | $317 million |
| 44 | Sunrise Bank | Orlando, FL | 3.60% | $623 million |
| 45 | Banesco USA | Miami, FL | 3.60% | $6.0 billion |
| 46 | Central Bank | Tampa, FL | 3.60% | $387 million |
| 47 | One Florida Bank | Orlando, FL | 3.59% | $2.1 billion |
| 48 | Amerant Bank N.A. | Coral Gables, FL | 3.59% | $10.3 billion |
| 49 | International Finance Bank | Miami, FL | 3.57% | $1.6 billion |
| 50 | Surety Bank | Deland, FL | 3.56% | $214 million |
| 51 | Ocean Bank | Miami, FL | 3.52% | $7.6 billion |
| 52 | Interamerican Bank, A Federal Savings Bank | Miami, FL | 3.51% | $356 million |
| 53 | Waterfall Bank | Clearwater, FL | 3.49% | $410 million |
| 54 | Flagship Bank | Clearwater, FL | 3.49% | $803 million |
| 55 | Pacific National Bank | Miami, FL | 3.48% | $1.6 billion |
| 56 | The First National Bank of Mount Dora | Mount Dora, FL | 3.47% | $358 million |
| 57 | Bank of Belle Glade | Belle Glade, FL | 3.46% | $160 million |
| 58 | First State Bank of the Florida Keys | Key West, FL | 3.46% | $1.2 billion |
| 59 | First Federal Bank | Lake City, FL | 3.43% | $4.5 billion |
| 60 | Commerce Bank & Trust | Winter Park, FL | 3.41% | $198 million |
| 61 | Anchor Bank | Palm Beach Garde, FL | 3.36% | $806 million |
| 62 | Citizens Bank and Trust | Frostproof, FL | 3.29% | $1.5 billion |
| 63 | Bank of Pensacola | Pensacola, FL | 3.23% | $147 million |
| 64 | Fnbt Bank | Fort Walton Beac, FL | 3.23% | $629 million |
| 65 | The Warrington Bank | Pensacola, FL | 3.15% | $174 million |
| 66 | Raymond James Bank | Saint Petersburg, FL | 3.14% | $45.6 billion |
| 67 | Community Bank of the South | Merritt Island, FL | 3.11% | $266 million |
| 68 | Bankunited N.A. | Miami Lakes, FL | 3.10% | $34.9 billion |
| 69 | Edison National Bank | Fort Myers, FL | 3.02% | $454 million |
| 70 | City National Bank of Florida | Miami, FL | 3.01% | $29.1 billion |
| 71 | Bradesco Bank | Coral Gables, FL | 2.99% | $6.1 billion |
| 72 | Everbank N.A. | Jacksonville, FL | 2.70% | $46.7 billion |
| 73 | Grove Bank & Trust | Miami, FL | 2.66% | $1.4 billion |
| 74 | Peoples Bank of Graceville | Graceville, FL | 2.55% | $116 million |
| 75 | Bankmiami | Coral Gables, FL | 2.51% | $318 million |
| 76 | Intercredit Bank N.A. | Miami, FL | 1.77% | $2.4 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings