RANKING ·
Lowest efficiency ratio in Florida
75 of 85 banks in Florida that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Anchor Bank | Palm Beach Garde, FL | 27.5% | $806 million |
| 2 | Raymond James Bank | Saint Petersburg, FL | 35.2% | $45.6 billion |
| 3 | Newtek Bank N.A. | Miami, FL | 37.7% | $2.5 billion |
| 4 | Cogent Bank | Orlando, FL | 43.8% | $2.5 billion |
| 5 | City National Bank of Florida | Miami, FL | 44.1% | $29.1 billion |
| 6 | Optimumbank | Fort Lauderdale, FL | 44.8% | $1.4 billion |
| 7 | U.S. Century Bank | Doral, FL | 45.2% | $3.0 billion |
| 8 | Sanibel Captiva Community Bank | Sanibel, FL | 45.7% | $976 million |
| 9 | First Colony Bank of Florida | Maitland, FL | 46.3% | $291 million |
| 10 | Brannen Bank | Inverness, FL | 46.9% | $1.0 billion |
| 11 | Gulfside Bank | Sarasota, FL | 48.5% | $345 million |
| 12 | Climate First Bank | Saint Petersburg, FL | 51.3% | $1.9 billion |
| 13 | Banco Do Brasil Americas | Miami, FL | 51.4% | $3.5 billion |
| 14 | Everbank N.A. | Jacksonville, FL | 51.9% | $46.7 billion |
| 15 | Southstate Bank N.A. | Winter Haven, FL | 52.3% | $68.8 billion |
| 16 | Banesco USA | Miami, FL | 52.5% | $6.0 billion |
| 17 | Bank of Central Florida | Lakeland, FL | 52.8% | $1.2 billion |
| 18 | Bankflorida | Dade City, FL | 53.6% | $460 million |
| 19 | Crews Bank & Trust | Wauchula, FL | 53.7% | $2.3 billion |
| 20 | Pacific National Bank | Miami, FL | 53.9% | $1.6 billion |
| 21 | International Finance Bank | Miami, FL | 54.2% | $1.6 billion |
| 22 | Surety Bank | Deland, FL | 55.9% | $214 million |
| 23 | First Bank | Clewiston, FL | 56.1% | $811 million |
| 24 | Flagship Bank | Clearwater, FL | 56.6% | $803 million |
| 25 | Paradise Bank | Boca Raton, FL | 57.2% | $415 million |
| 26 | Bank of Pensacola | Pensacola, FL | 57.5% | $147 million |
| 27 | Evermore Bank | Fort Lauderdale, FL | 57.5% | $317 million |
| 28 | Sunrise Bank | Orlando, FL | 57.6% | $623 million |
| 29 | The Bank of Tampa | Tampa, FL | 57.8% | $3.0 billion |
| 30 | Bankunited N.A. | Miami Lakes, FL | 58.5% | $34.9 billion |
| 31 | Seacoast National Bank | Stuart, FL | 58.5% | $21.3 billion |
| 32 | Ocean Bank | Miami, FL | 58.8% | $7.6 billion |
| 33 | Bank of Belle Glade | Belle Glade, FL | 58.9% | $160 million |
| 34 | Central Bank | Tampa, FL | 59.5% | $387 million |
| 35 | Community Bank of the South | Merritt Island, FL | 60.1% | $266 million |
| 36 | Fnbt Bank | Fort Walton Beac, FL | 60.4% | $629 million |
| 37 | United Southern Bank | Umatilla, FL | 60.8% | $843 million |
| 38 | Mainstreet Community Bank of Florida | Deland, FL | 61.0% | $953 million |
| 39 | Bradesco Bank | Coral Gables, FL | 62.0% | $6.1 billion |
| 40 | Peoples Bank of Graceville | Graceville, FL | 62.1% | $116 million |
| 41 | Intracoastal Bank | Palm Coast, FL | 63.3% | $573 million |
| 42 | Citizens Bank and Trust | Frostproof, FL | 63.3% | $1.5 billion |
| 43 | Capital City Bank | Tallahassee, FL | 64.7% | $4.4 billion |
| 44 | Amerant Bank N.A. | Coral Gables, FL | 66.0% | $10.3 billion |
| 45 | First Federal Bank | Lake City, FL | 67.4% | $4.5 billion |
| 46 | Helm Bank USA | Miami, FL | 69.0% | $1.2 billion |
| 47 | Sunstate Bank | Miami, FL | 69.7% | $580 million |
| 48 | Commerce Bank & Trust | Winter Park, FL | 69.9% | $198 million |
| 49 | Desjardins Bank N.A. | Hallandale, FL | 70.0% | $362 million |
| 50 | Madison County Community Bank | Madison, FL | 70.1% | $212 million |
| 51 | Natbank N.A. | Hollywood, FL | 70.4% | $297 million |
| 52 | The Warrington Bank | Pensacola, FL | 70.9% | $174 million |
| 53 | Pnb Community Bank | Niceville, FL | 71.7% | $155 million |
| 54 | Emigrant Bank | Miami, FL | 72.6% | $5.7 billion |
| 55 | Lafayette State Bank | Mayo, FL | 72.8% | $252 million |
| 56 | Terrabank N.A. | Coral Gables, FL | 72.9% | $898 million |
| 57 | Grove Bank & Trust | Miami, FL | 73.3% | $1.4 billion |
| 58 | One Florida Bank | Orlando, FL | 73.8% | $2.1 billion |
| 59 | Dlp Bank | Starke, FL | 74.2% | $301 million |
| 60 | Locality Bank | Fort Lauderdale, FL | 76.8% | $396 million |
| 61 | Florida Capital Bank N.A. | Jacksonville, FL | 77.8% | $713 million |
| 62 | Gulf Atlantic Bank | Key West, FL | 79.1% | $253 million |
| 63 | Cypress Bank & Trust | Melbourne, FL | 79.7% | $257 million |
| 64 | Interamerican Bank, A Federal Savings Bank | Miami, FL | 80.2% | $356 million |
| 65 | Edison National Bank | Fort Myers, FL | 81.8% | $454 million |
| 66 | First State Bank of the Florida Keys | Key West, FL | 82.2% | $1.2 billion |
| 67 | Century Bank of Florida | Tampa, FL | 87.6% | $101 million |
| 68 | First National Bank of Pasco | Dade City, FL | 88.2% | $280 million |
| 69 | The First National Bank of Mount Dora | Mount Dora, FL | 88.7% | $358 million |
| 70 | Gulf Coast Business Bank | Fort Myers, FL | 89.9% | $187 million |
| 71 | Tcm Bank N.A. | Tampa, FL | 90.2% | $382 million |
| 72 | Waterfall Bank | Clearwater, FL | 93.9% | $410 million |
| 73 | Axiom Bank N.A. | Maitland, FL | 106.2% | $732 million |
| 74 | Intercredit Bank N.A. | Miami, FL | 111.5% | $2.4 billion |
| 75 | Bankmiami | Coral Gables, FL | 116.5% | $318 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings