RANKING ·
Largest net interest margin improvement 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 and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Cogent Bank | Orlando, FL | +58 bps | $2.5 billion |
| 2 | Bankflorida | Dade City, FL | +56 bps | $460 million |
| 3 | The First National Bank of Mount Dora | Mount Dora, FL | +53 bps | $358 million |
| 4 | Bank of Pensacola | Pensacola, FL | +51 bps | $147 million |
| 5 | United Southern Bank | Umatilla, FL | +46 bps | $843 million |
| 6 | City National Bank of Florida | Miami, FL | +38 bps | $29.1 billion |
| 7 | Axiom Bank N.A. | Maitland, FL | +38 bps | $732 million |
| 8 | The Warrington Bank | Pensacola, FL | +38 bps | $174 million |
| 9 | Sanibel Captiva Community Bank | Sanibel, FL | +38 bps | $976 million |
| 10 | Terrabank N.A. | Coral Gables, FL | +32 bps | $898 million |
| 11 | U.S. Century Bank | Doral, FL | +32 bps | $3.0 billion |
| 12 | Mainstreet Community Bank of Florida | Deland, FL | +30 bps | $953 million |
| 13 | Peoples Bank of Graceville | Graceville, FL | +28 bps | $116 million |
| 14 | Central Bank | Tampa, FL | +27 bps | $387 million |
| 15 | Banesco USA | Miami, FL | +27 bps | $6.0 billion |
| 16 | Intracoastal Bank | Palm Coast, FL | +26 bps | $573 million |
| 17 | First Bank | Clewiston, FL | +26 bps | $811 million |
| 18 | Grove Bank & Trust | Miami, FL | +24 bps | $1.4 billion |
| 19 | First Colony Bank of Florida | Maitland, FL | +24 bps | $291 million |
| 20 | Cypress Bank & Trust | Melbourne, FL | +21 bps | $257 million |
| 21 | Climate First Bank | Saint Petersburg, FL | +21 bps | $1.9 billion |
| 22 | Waterfall Bank | Clearwater, FL | +21 bps | $410 million |
| 23 | Optimumbank | Fort Lauderdale, FL | +20 bps | $1.4 billion |
| 24 | Seacoast National Bank | Stuart, FL | +20 bps | $21.3 billion |
| 25 | Century Bank of Florida | Tampa, FL | +20 bps | $101 million |
| 26 | Anchor Bank | Palm Beach Garde, FL | +19 bps | $806 million |
| 27 | Bradesco Bank | Coral Gables, FL | +19 bps | $6.1 billion |
| 28 | First State Bank of the Florida Keys | Key West, FL | +17 bps | $1.2 billion |
| 29 | Natbank N.A. | Hollywood, FL | +16 bps | $297 million |
| 30 | Sunrise Bank | Orlando, FL | +16 bps | $623 million |
| 31 | Crews Bank & Trust | Wauchula, FL | +16 bps | $2.3 billion |
| 32 | One Florida Bank | Orlando, FL | +16 bps | $2.1 billion |
| 33 | Locality Bank | Fort Lauderdale, FL | +15 bps | $396 million |
| 34 | First Federal Bank | Lake City, FL | +14 bps | $4.5 billion |
| 35 | Citizens Bank and Trust | Frostproof, FL | +14 bps | $1.5 billion |
| 36 | Helm Bank USA | Miami, FL | +13 bps | $1.2 billion |
| 37 | Desjardins Bank N.A. | Hallandale, FL | +13 bps | $362 million |
| 38 | Community Bank of the South | Merritt Island, FL | +12 bps | $266 million |
| 39 | Madison County Community Bank | Madison, FL | +11 bps | $212 million |
| 40 | Pacific National Bank | Miami, FL | +10 bps | $1.6 billion |
| 41 | Sunstate Bank | Miami, FL | +10 bps | $580 million |
| 42 | Ocean Bank | Miami, FL | +9 bps | $7.6 billion |
| 43 | Surety Bank | Deland, FL | +9 bps | $214 million |
| 44 | Lafayette State Bank | Mayo, FL | +9 bps | $252 million |
| 45 | The Bank of Tampa | Tampa, FL | +8 bps | $3.0 billion |
| 46 | Tcm Bank N.A. | Tampa, FL | +7 bps | $382 million |
| 47 | Gulfside Bank | Sarasota, FL | +6 bps | $345 million |
| 48 | Bankunited N.A. | Miami Lakes, FL | +4 bps | $34.9 billion |
| 49 | Capital City Bank | Tallahassee, FL | +4 bps | $4.4 billion |
| 50 | First National Bank of Pasco | Dade City, FL | +3 bps | $280 million |
| 51 | Bank of Central Florida | Lakeland, FL | +3 bps | $1.2 billion |
| 52 | Raymond James Bank | Saint Petersburg, FL | +1 bps | $45.6 billion |
| 53 | Emigrant Bank | Miami, FL | 0 bps | $5.7 billion |
| 54 | Pnb Community Bank | Niceville, FL | 0 bps | $155 million |
| 55 | Brannen Bank | Inverness, FL | -1 bps | $1.0 billion |
| 56 | Everbank N.A. | Jacksonville, FL | -4 bps | $46.7 billion |
| 57 | Bank of Belle Glade | Belle Glade, FL | -6 bps | $160 million |
| 58 | Gulf Coast Business Bank | Fort Myers, FL | -11 bps | $187 million |
| 59 | Flagship Bank | Clearwater, FL | -12 bps | $803 million |
| 60 | Banco Do Brasil Americas | Miami, FL | -13 bps | $3.5 billion |
| 61 | Florida Capital Bank N.A. | Jacksonville, FL | -15 bps | $713 million |
| 62 | Paradise Bank | Boca Raton, FL | -21 bps | $415 million |
| 63 | Evermore Bank | Fort Lauderdale, FL | -22 bps | $317 million |
| 64 | Southstate Bank N.A. | Winter Haven, FL | -24 bps | $68.8 billion |
| 65 | Commerce Bank & Trust | Winter Park, FL | -26 bps | $198 million |
| 66 | Edison National Bank | Fort Myers, FL | -27 bps | $454 million |
| 67 | International Finance Bank | Miami, FL | -27 bps | $1.6 billion |
| 68 | Amerant Bank N.A. | Coral Gables, FL | -30 bps | $10.3 billion |
| 69 | Gulf Atlantic Bank | Key West, FL | -33 bps | $253 million |
| 70 | Intercredit Bank N.A. | Miami, FL | -43 bps | $2.4 billion |
| 71 | Fnbt Bank | Fort Walton Beac, FL | -43 bps | $629 million |
| 72 | Bayfirst National Bank | Saint Petersburg, FL | -51 bps | $1.1 billion |
| 73 | Bankmiami | Coral Gables, FL | -64 bps | $318 million |
| 74 | Newtek Bank N.A. | Miami, FL | -76 bps | $2.5 billion |
| 75 | Interamerican Bank, A Federal Savings Bank | Miami, FL | -103 bps | $356 million |
| 76 | Dlp Bank | Starke, FL | -158 bps | $301 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings